PayPal Fee Calculator

Find out how much PayPal takes from each payment and what you actually receive.

Payment & Fees

Currency

Charge amount $

Percentage fee

Fixed fee per transaction $

Enter a charge amount and your PayPal rates, then press "Calculate".

Results are informational. Calculation is based on your input and public rules, official accounting may differ. For accuracy, confirm the final result if needed from the appropriate official source or specialist. See the terms of use.

How it works?

PayPal charges a percentage of the transaction amount plus a fixed fee per transaction for Goods & Services payments. These fees cover PayPal's payment processing and buyer protection programme.

Fee = Charge × Percentage ÷ 100 + Fixed fee
Net payout = Charge − Fee
To receive exact net: Charge = (Net + Fixed fee) ÷ (1 − Percentage ÷ 100)

The fee is rounded to the cent, and in the "What to charge" tab the charge is the smallest whole-cent amount that leaves you at least the amount you asked for. The pre-filled rate is PayPal's standard rate for the market named under the form; your own rate depends on your country, account and sales volume.

Note: Friends & Family payments are free within a country when no currency is converted, but they offer no buyer protection and may not be used for business transactions. Payments from another region cost extra: on an EEA account +1.29% from the UK and +1.99% from outside Europe (nothing from within the EEA); on a US account +1.5%.

Frequently asked questions

What are PayPal's standard Goods & Services fees?

For a business account in Estonia, Finland and most other EEA countries, PayPal's standard rate for receiving a payment is 3.4% + €0.35; in Germany PayPal Checkout costs 2.99% + €0.39. In the US it is 3.49% + $0.49 and in the UK 2.9% + £0.30. The fixed part depends on the currency you receive, payments from outside your region cost extra (see below), and some accounts have different rates. Rates checked in October 2026 - always check PayPal's fee page for your country.

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What is the difference between Goods & Services and Friends & Family?

Goods & Services payments include PayPal's buyer and seller protection and are used for commercial transactions - fees apply. Friends & Family (Personal) payments are designed for sending money to people you know and are generally free domestically, but they offer no purchase protection and must not be used for buying goods or services. Using Friends & Family for business payments violates PayPal's terms.

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Does PayPal charge a fee on refunds?

There is no fee for issuing a refund, but the fees you paid to receive the payment are not returned - for full and partial refunds alike. For example, if you received €100 and paid €3.75 in fees (3.4% + €0.35), refunding the buyer €100 leaves you €3.75 out of pocket. Stripe works the same way: its processing fee is not returned on refunds either.

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Are there extra fees for international PayPal payments?

Yes. On an account in the EEA, payments from other EEA countries cost no extra, but payments from the UK add 1.29% and payments from the rest of the world add 1.99%. On a US account, international payments add 1.5%. When a currency has to be converted, PayPal also adds a conversion spread of about 3–4% over its base exchange rate. Together these can make an international payment noticeably more expensive.

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How does PayPal compare to Stripe for fees?

In most markets PayPal costs more than Stripe for card-type payments. In Estonia, PayPal charges 3.4% + €0.35 for a domestic payment, while Stripe charges 1.5% + €0.25 for a standard EEA card (2.8% + €0.25 for premium cards). In the US the comparison is 3.49% + $0.49 against 2.9% + $0.30. PayPal, however, offers wider consumer recognition and a buyer protection programme that can increase conversion for some merchants. For developer-centric products or subscription billing, Stripe tends to offer more flexibility.

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