PayPal Fee Calculator
See exactly what PayPal takes from a payment, and how much to ask for so you receive the amount you want. It uses PayPal's current published rates for seven countries, including international and currency conversion fees.
PayPal Fee Calculator
Rates from PayPal's merchant fee page (page updated 1 October 2026), checked 22 October 2026. Calculated on this page; nothing is sent anywhere.
Calculated in your browser from published fee schedules. Nothing is sent anywhere.
Scratchpad auto-saved
How it works — in four simple steps
No signup and nothing to install — it all runs in your browser.
Choose your country
The country of your PayPal account sets the rates and currency.
Pick the payment type
Checkout, goods and services, card, invoice and so on.
Enter the amount and buyer location
International buyers add a surcharge.
Read the breakdown
See each fee, what you receive, and what to charge to net an exact amount.
To net an exact amount, use the reverse field. Dividing by (1 − rate) after adding the fixed fee is the only correct way.
Features
Seven countries
US, UK, Canada, Australia, Germany/euro area, India and the Philippines, each with its own fixed fees and international surcharges.
Every payment type
Checkout, goods and services, cards, advanced card processing, Pay Later, invoices, QR codes, in-person and micropayments where PayPal publishes them.
Reverse calculation
How much to charge so you receive an exact amount after fees.
Currency conversion
Adds PayPal's 3–4% conversion spread when the money is changed into your currency.
Fee ladder
Fees and effective rate from $5 to $1,000, showing how the fixed fee bites on small payments.
Dated sources
Every rate links to the PayPal page it came from, with the date we checked it.
About the PayPal Fee Calculator
PayPal's fee on a business payment is a percentage of the amount plus a fixed fee set by the currency you receive. In the US, a PayPal Checkout payment costs 3.49% + $0.49, a goods-and-services payment between PayPal accounts costs 2.99%, and card payments through PayPal's buttons cost 2.99% + $0.49. If the buyer is in another country, PayPal adds an international fee of 1.50% in the US, 1.29% from the EEA and 1.99% elsewhere for UK accounts, or 0.80% from the US for Canadian accounts.
Pick your account country, the way the buyer pays and where they are, and the calculator shows every line of the fee and what lands in your balance. Tick convert if the money will be changed into your own currency. PayPal's conversion spread is 3–4% above its base rate, which often costs more than the fee itself. The reverse calculation answers the most common question: to end up with $100 after a $0.49 fixed fee and 3.49%, you need to charge $104.13, not $103.98, because the fee is also charged on the extra.
Rates differ a lot between countries. A standard payment costs 2.9% + £0.30 in the UK, 2.99% + €0.39 in Germany and 2.90% + A$0.30 in Australia. Indian accounts only receive international payments, at 4.40% plus a fixed fee by currency. Philippine accounts pay 3.40% + ₱15 at home and 4.40% from abroad. The tables below list every rate the calculator uses, with the date we checked each PayPal page. PayPal changes fees every year or two, so we re-check them at least yearly.
Examples
PayPal fee rates by country (checked 22 October 2026)
United States (USD, page updated 1 October 2026)
| Payment type | Fee |
|---|---|
| PayPal Checkout, Guest Checkout or Pay with Venmo | 3.49% + $0.49 |
| Goods and services payment (send/receive money) | 2.99% |
| Standard credit/debit card (PayPal buttons) | 2.99% + $0.49 |
| Advanced credit and debit card payments | 2.89% + $0.49 |
| Pay Later | 4.99% + $0.49 |
| Invoice paid with PayPal or Venmo | 3.49% + $0.49 |
| Invoice paid by card or Apple Pay | 2.99% + $0.49 |
| In person, card present (PayPal POS) | 2.29% + $0.09 |
| Donations (Donate button) | 2.89% + $0.49 |
| Micropayments (approved accounts) | 4.99% + $0.09 |
International: Buyer outside the US: +1.5%. Currency conversion: 3% above the base rate. PayPal United States fee page.
United Kingdom (GBP, page updated 1 October 2026)
| Payment type | Fee |
|---|---|
| PayPal payments for goods and services (standard rate) | 2.9% + £0.30 |
| Card payment from a buyer without a PayPal account | 1.2% + £0.30 |
| Buy Now Pay Later | 3.9% + £0.30 |
| QR code (1.5% + 10p over £10, 2% + 5p up to £10) | see description |
| In person, card present | 1.75% |
| Micropayments under £5 (approved accounts) | 5% + £0.05 |
International: Buyer in the EEA: +1.29%; Buyer anywhere else: +1.99%. Currency conversion: 3% above the base rate. PayPal United Kingdom fee page.
Canada (CAD, page updated 13 October 2026)
| Payment type | Fee |
|---|---|
| PayPal payments for goods and services (standard rate) | 2.9% + C$0.30 |
| QR code (1.90% + 10¢ over $10, 2.40% + 5¢ up to $10) | see description |
| Advanced credit and debit card payments | 2.7% + C$0.30 |
| Virtual Terminal | 3.1% + C$0.30 |
International: Buyer in the US: +0.8%; Buyer anywhere else: +1%. Currency conversion: 4% above the base rate. PayPal Canada fee page.
Australia (AUD, page updated 13 October 2026)
| Payment type | Fee |
|---|---|
| PayPal payments for goods and services (standard rate) | 2.9% + A$0.30 |
| Advanced credit and debit card payments | 1.5% + A$0.30 |
| Virtual Terminal | 3.6% + A$0.30 |
| Micropayments under A$10 (approved accounts) | 5% + A$0.05 |
International: Buyer outside Australia: +1%. Currency conversion: 3% above the base rate. PayPal Australia fee page.
Germany (euro area) (EUR, page updated 7 September 2026)
| Payment type | Fee |
|---|---|
| Business payments and PayPal Checkout | 2.99% + €0.39 |
| Goods and services (send/receive money) | 2.49% + €0.35 |
| Card payments with advanced features | 2.99% + €0.39 |
| eTerminal card payments | 3.39% + €0.39 |
International: Buyer in the UK: +1.29%; Buyer anywhere else: +1.99%. Currency conversion: 3% above the base rate. PayPal Germany (euro area) fee page.
India (USD, page updated 28 March 2024)
| Payment type | Fee |
|---|---|
| International commercial payment received | 4.4% + $0.30, €0.35, £0.20 (by currency received) |
Currency conversion: 4% above the base rate. PayPal India fee page.
Philippines (PHP, page updated 28 September 2026)
| Payment type | Fee |
|---|---|
| Commercial payment received | 3.4% + ₱15.00 |
International: Buyer outside the Philippines: +1%. Currency conversion: 3% above the base rate. PayPal Philippines fee page.