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PayPal Fees Calculator in the United States.

PayPal merchant fees are confusing. Use this simple calculator to find out how much PayPal will charge you, wherever your customers are.

Get a business account that is up to 19x cheaper than PayPal

As well as merchant fees, you’ll also face PayPal charges if you receive payments from a different country or currency. PayPal adds a markup to the exchange rate used to convert your money back to dollars which might mean you get less than you expect when you withdraw your PayPal balance.

Avoid PayPal currency fees by withdrawing your balance to the Wise multi-currency account and save even more when you use Wise to send and receive money internationally. Source.

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Standard rate for receiving domestic transactions with PayPal

PayPal US fees vary depending on whether the payment is considered domestic or international, as well as whether the transaction happens online or in your physical store.

Domestic payments: The person sending and the person receiving the payment both have PayPal accounts registered within the US.

International payments: The person sending money (your buyer) has a PayPal account based outside of the United States. This fee includes a 1.5% international transaction fee.

PayPal fees will differ for in-store transactions or if you are a charity. Please check PayPal's official website for further details.

Your buyer's countryPayPal fee

Within the United States

a fee of 2.9% of the transaction amount plus a fixed fee based on the currency

Outside of the United States

a fee of 4.4% of the transaction amount plus a fixed fee based on the currency

PayPal’s Fixed fee based on received currency

woman paying invoices with Wise

The fixed fee is calculated based on the currency of the transaction. Charity fees may be lower. Get details from PayPal’s official website.

CurrencyFixed fee

Australian dollar

0.30 AUD

Brazilian real

0.60 BRL

Canadian dollar

0.30 CAD

Czech koruna

10.00 CZK

Danish krone

2.60 DKK

Euro

0.35 EUR

Hong Kong dollar

2.35 HKD

Hungarian forint

90.00 HUF

Israeli new shekel

1.20 ILS

Japanese yen

40.00 JPY

Malaysian ringgit

2.00 MYR

Mexican peso

4.00 MXN

New Taiwan dollar

10.00 TWD

New Zealand dollar

0.45 NZD

Norwegian krone

2.80 NOK

Philippine peso

15.00 PHP

Polish zloty

1.35 PLN

Russian ruble

10.00 RUB

Singapore dollar

0.50 SGD

Swedish krona

3.25 SEK

Swiss franc

0.55 CHF

Thai baht

11.00 THB

UK pounds sterling

0.20 GBP

US dollar

0.30 USD

PayPal’s fee for currency conversion

If you’re selling to customers based abroad and receive a payment in a currency different to the default currency of your PayPal merchant account, you’ll pay an extra fee for currency conversion.

The charge to convert your money back to dollars is 3.0% of the transaction value.

Find out how to save with Wise instead

PayPal’s fee for currency conversion

PayPal’s other merchant fees

That’s not all. There may be other fees if you use PayPal to collect payments from your customers, such as:

  • Transferring balance from Business Accounts to your linked bank account is free and are usually completed on the next day. You can choose an 'Instant transfer' to an eligible linked bank account or a debit card that is usually realised within few minutes. The fee for an instant transfer is 1% of the amount transferred, up to $10.

  • Chargeback Fee if your buyer requests a chargeback. If you’re covered by Seller Protection, PayPal will cover the costs of both the chargeback and the settlement fee.

  • Card Verification Transactions: used to verify that a cardholder’s account is in good standing without processing a purchase transaction: $0.30 per submission.

  • American Express® Card usage fee 3.5% per transaction

  • PayPal Website Payments Pro and Virtual Terminal Rates for integrated online and in person payments

  • Mass Payments used to organise and mail payments to many people at once

  • Micropayments for eligible businesses processing payments under $10

PayPal fees FAQs.

PayPal charges 2.9% of the transaction value if the buyer is based in the US. If the buyer is based outside of the US, this increases to 4.4%. Use the PayPal fee calculator on this page to work out exactly how much PayPal will charge you.

Working out PayPal fees is hard. Your best bet for calculating the exact fee you’ll be charged for selling on PayPal in the US is to use the calculator on this page. It takes into account the fixed and variable fees PayPal charges per transaction, and any cross border fees and exchange rate markup PayPal charges if you’re selling internationally.

Wise is your easy, cheap alternative to a bank account abroad.

Open online in just a few steps, with no monthly fees and no minimum balance - just simple currency services using the real exchange rate.

Learn more