What is the PayPal Goods and Services fee?

The PayPal Goods & Services fee is 2.99% + $0.49 per domestic transaction. For example, if someone sends you $100, PayPal deducts $3.48 (2.99% of $100 = $2.99 + $0.49 fixed fee), and you receive $96.52. For international G&S transactions, add 1.5% cross-border fee to the rate: 4.49% + $0.49 total.

Is this a PayPal Goods and Services fee calculator?

Yes — Goods & Services is the default transaction type and the most commonly used rate on this page. The calculator supports all PayPal transaction types including G&S, Checkout/Venmo, invoices, QR codes, Micropayments, Pay Later, Friends & Family, and charity. Defaults to G&S at $100 so you can see the fee instantly.

Can I calculate PayPal international fees?

Yes. Toggle the International switch in the input card, and the calculator adds a 1.5% cross-border surcharge on top of the base transaction rate. For international G&S, the combined rate becomes 4.49% + $0.49. Note: Friends & Family international uses its own 5% sender-side rate (min $0.99, max $4.99) — the international toggle is disabled for F&F types to avoid double-counting.

How do I calculate PayPal fees for an invoice?

PayPal invoice fees depend on how the recipient pays. If they pay by credit/debit card: 2.99% + $0.49. If they pay via PayPal balance, Venmo, or guest checkout: 3.49% + $0.49. Use this calculator by selecting the appropriate invoice type and entering your invoice amount. The invoice dropdown includes both 'Invoice (Card Payment)' and 'Invoice (PayPal/Venmo)' options.

What are PayPal international transaction fees?

International PayPal transactions incur an additional 1.5% cross-border surcharge on top of the standard transaction fee. For example, an international Goods & Services transaction costs 2.99% + 1.5% + $0.49 = 4.49% + $0.49. PayPal may also charge a 3–4% currency conversion markup if currencies differ. This calculator estimates the transaction fee only — currency conversion fees are separate.

Are PayPal QR code transactions cheaper?

Yes, QR code transactions are the cheapest commercial PayPal payment method at 2.29% + $0.09 per transaction. Compare this to Goods & Services at 2.99% + $0.49 or PayPal Checkout at 3.49% + $0.49. QR codes are ideal for in-person payments.

How much does PayPal charge for micropayments?

PayPal's micropayment rate is 4.99% + $0.09 per transaction. The lower fixed fee ($0.09 vs $0.49) makes it more cost-effective for very small payments (typically under $20), where the fixed portion of a standard rate would represent a disproportionately large share of the total. For example, on a $5 G&S transaction, the fee is $0.64 (12.8% effective); on Micropayment, it's $0.34 (6.8% effective).

Do PayPal fees change based on volume?

PayPal previously offered volume discounts for merchants processing over $3,000/month, but the current fee structure uses flat rates per transaction type. High-volume merchants should contact PayPal directly for custom pricing or consider PayPal's advanced checkout solutions which may offer negotiated rates.

Does this calculator include eBay and PayPal fees?

No — this calculator estimates PayPal transaction fees only. eBay charges separate final value fees (which vary by category) on top of PayPal processing fees. The calculator does not include eBay seller fees, listing fees, or any other marketplace commissions. Use this for the PayPal portion of your eBay sale and check eBay's fee page for the marketplace side.

Does this calculate PayPal instant transfer fees?

No — this calculator covers PayPal transaction fees (what PayPal charges to process a payment), not withdrawal fees. PayPal instant transfer fees for moving money from your PayPal balance to your bank account cost 1.75% of the amount (subject to a minimum and maximum fee). Standard bank transfers (1–3 business days) are free.

PayPal Fee Calculator

I Want To Know

Amount Being Sent

Transaction Type

Selling items or receiving payments for goods and services

International Transaction

Adds 1.5% cross-border fee

You Receive

$96.52

3.48% effective

$3.48 fee

Goods & Services2.99% + $0.49

Percentage portion$2.99

Fixed fee$0.49

To net exactly $96.52, charge $100.00

Fee Breakdown

Visual split of your transaction

You Receive

$96.52

PayPal Fee

$3.48

Fee Comparison by Transaction Type

All fees for a $100.00 transaction

Type	Fee	You Receive	Eff. Rate
Goods & Servicesselected	$3.48	$96.52	3.48%
PayPal Checkout / Venmo	$3.98	$96.02	3.98%
Invoice (Card Payment)	$3.48	$96.52	3.48%
Invoice (PayPal/Venmo)	$3.98	$96.02	3.98%
QR Code	$2.38	$97.62	2.38%
Friends & Family (Domestic)	$0.00	$100.00	0.00%
Friends & Family (International)	$4.99	$100.00	4.99%
Charity / Nonprofit	$2.48	$97.52	2.48%
Micropayment	$5.08	$94.92	5.08%
Pay Later	$5.48	$94.52	5.48%

How PayPal Fees Work

The formula behind every PayPal transaction

PayPal charges a percentage of the transaction amount plus a fixed fee for each payment received. The exact rates depend on the transaction type, whether the payment is domestic or international, and how the buyer pays.

Fee Formula

PayPal Fee = (Amount × Rate%) + Fixed Fee

You Receive = Amount − PayPal Fee

US Fee Schedule (2026)

Rates sourced from PayPal's business fees and consumer fees pages. Estimates US transaction fees only — does not cover currency conversion (3–4%), instant transfer withdrawal (1.75%), chargebacks ($20 fee), or negotiated merchant rates.

$100 G&S (Domestic)

2.99% + $0.49

Fee$3.48

You receive$96.52

$100 G&S (International)

4.49% + $0.49

Fee$4.98

You receive$95.02

$100 Invoice (PayPal/Venmo)

3.49% + $0.49

Fee$3.98

You receive$96.02

What to Charge to Net $100

G&S domestic reverse

Charge$103.59

Fee on charged amount$3.59

How to Calculate PayPal Fees

Manual calculation steps for any transaction type

Identify the rate

Find the percentage and fixed fee for your transaction type (e.g., G&S = 2.99% + $0.49, QR Code = 2.29% + $0.09). For international, add 1.5% to the percentage.

Multiply and add the fixed fee

Multiply the transaction amount by the percentage rate (as a decimal), then add the fixed fee. For example: ($100 × 0.0299) + $0.49 = $3.48.

Subtract to get your net — or reverse for charging

Subtract the fee from the sent amount to get what you receive. To reverse-calculate what to charge to net a target amount, divide (desired net + fixed fee) ÷ (1 − total rate) — or use the What to Charge mode above.

2026 PayPal Fee Schedule

Complete fee rates for every transaction type

Transaction Type	Fee	Who Pays	$100 Example
Goods & Services	2.99% + $0.49	Seller	$3.48
Checkout / Venmo	3.49% + $0.49	Seller	$3.98
Invoice (Card)	2.99% + $0.49	Seller	$3.48
Invoice (PayPal/Venmo)	3.49% + $0.49	Seller	$3.98
QR Code	2.29% + $0.09	Seller	$2.38
Micropayment	4.99% + $0.09	Seller	$5.08
Pay Later	4.99% + $0.49	Seller	$5.48
Friends & Family (Domestic)*	Free	N/A	$0.00
F&F (International)	5% (capped $4.99)	Sender	$4.99
Charity	1.99% + $0.49	Seller	$2.48

* F&F Domestic: free from bank account or PayPal balance. Card-funded personal transfers may incur fees — see PayPal Consumer Fees for details. F&F International: sender pays 5% (min $0.99, max $4.99). International surcharge (+1.5%) applies to all commercial types. Invoice fees vary by payment method — 2.99% for cards, 3.49% for PayPal/Venmo/guest checkout. Micropayments are cheaper than G&S for amounts under ~$20 due to the lower fixed fee.

Fee Types at a Glance

Quick reference for each payment method

Goods & Services

2.99% + $0.49

Standard rate for products and services. Includes Buyer Protection. Default for freelancers and online sellers.

Checkout / Venmo

3.49% + $0.49

Online checkout, Venmo business, and guest checkout. Higher rate for the added payment infrastructure.

Invoice

2.99%–3.49% + $0.49

Depends on payment method: 2.99% for card, 3.49% for PayPal/Venmo/guest checkout. Use the subtype dropdown.

QR Code

2.29% + $0.09

Cheapest commercial rate. For in-person payments via PayPal or Venmo QR codes. Great for small transactions.

Micropayment

4.99% + $0.09

For digital transactions under $20. Lower fixed fee ($0.09) beats G&S for very small amounts.

Pay Later

4.99% + $0.49

For Pay in 4 or Pay Monthly offers. Merchant pays this rate when buyer chooses installment option.

Friends & Family

Free · 5% intl

Domestic: free from bank or balance (card-funded may incur fees). International: sender pays 5% (capped $4.99). No buyer protection.

Charity

1.99% + $0.49

Discounted rate for verified 501(c)(3) nonprofits. Requires PayPal Giving Fund or charity account approval.

How to Use This Calculator

5 simple steps

Choose direction

"What I Receive" shows fees on an incoming payment. "What to Charge" finds the exact amount to request so you net your target.

Enter amount

In receiving mode, enter the amount being sent. In charging mode, enter what you want to end up with after fees.

Select transaction type

Pick G&S, Invoice, QR Code, Micropayment, Pay Later, or F&F. Defaults to Goods & Services for business payments.

Toggle international

Enable if the buyer is outside the US. Adds 1.5% cross-border surcharge. Hidden for F&F which uses its own rate.

Read results

Hero card shows fee/net/charge. Breakdown shows percentage, fixed fee, and surcharge. Compare all types in the table.

About This Calculator

What this tool covers — and what it doesn't

eBay and PayPal fees

This calculator estimates PayPal transaction fees only. eBay charges separate final value fees (which vary by category) that are not included here. For total eBay costs, use this for the PayPal portion and check eBay's fee page.

PayPal instant transfer fees

This covers transaction fees — what PayPal charges to process a payment. It does not cover withdrawal fees: moving money from PayPal to your bank instantly costs 1.75% of the amount. Standard bank transfers (1–3 business days) are free.

Common Mistakes to Avoid

Save money and stay protected

Use "What to Charge" mode

Adding 2.99% to your price doesn't cover the fee — the percentage applies to the higher total. Use reverse calculation for exact amounts.

QR codes save money

QR codes (2.29% + $0.09) beat G&S (2.99% + $0.49) for every amount. On a $50 sale, that's $0.81 saved per transaction.

Cross-border fees stack up

International adds 1.5% surcharge. G&S goes from 2.99% to 4.49%. Plus PayPal's currency conversion adds another 3–4% markup.

Never use F&F for business

Friends & Family has no buyer protection. PayPal may freeze accounts misusing it for business. Always use Goods & Services.

Frequently Asked Questions

Common questions about PayPal fees

PayPal fees vary by transaction type. Goods & Services: 2.99% + $0.49. PayPal Checkout/Venmo: 3.49% + $0.49. QR Code: 2.29% + $0.09. Micropayment: 4.99% + $0.09. Pay Later: 4.99% + $0.49. Friends & Family (domestic): free from bank/balance (card-funded may incur fees). Charity: 1.99% + $0.49. International transactions add an extra 1.5% cross-border surcharge (except F&F which uses its own 5% rate).

PayPal fees use a simple formula: (Transaction Amount × Percentage Rate) + Fixed Fee. For example, a $100 Goods & Services payment at 2.99% + $0.49: ($100 × 0.0299) + $0.49 = $3.48. You receive $96.52. For international payments, add 1.5% cross-border surcharge to the percentage rate before calculating. To reverse-calculate what to charge to net a target amount, divide (desired net + fixed fee) ÷ (1 − total rate). This calculator does both forward and reverse calculations.

Domestic Friends & Family transfers are free when funded by a bank account or PayPal balance. For international Friends & Family, the sender pays a 5% fee (minimum $0.99, maximum $4.99 USD) — the receiver always gets the full amount sent. Credit card-funded transfers may incur additional charges. Friends & Family payments do not include buyer protection and should never be used for business transactions.

Use the 'What to Charge' mode in this calculator. Enter the amount you want to receive, and it calculates the total to charge so you net exactly that amount after PayPal deducts fees. The formula accounts for fees being charged on the total, not just your desired amount. For example, to net $100 via G&S domestic, you need to charge $103.59 — the fee on $103.59 is $3.59, leaving you exactly $100.

For commercial transactions, QR Code payments are cheapest at 2.29% + $0.09. For personal transfers, domestic Friends & Family is free from a bank account or PayPal balance (card-funded transfers may incur fees). For nonprofits, the charity rate of 1.99% + $0.49 is the lowest dedicated commercial rate. For very small payments (under ~$20), Micropayments (4.99% + $0.09) can be cheaper than G&S due to the lower fixed fee.

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Last updated Jun 17, 2026