PayPal Fee Calculator

What is This Tool?

The PayPal Fee Calculator helps you understand exactly how much PayPal will charge for your transactions. Whether you are selling products online, receiving payments for freelance work, or running a nonprofit, this tool shows you the fees before you finalize any transaction.

How to Use This Calculator

Step 1: Enter Your Amount

Type the transaction amount in US Dollars (USD) in the input field. For example, if you want to receive $100 or charge a customer $100, enter "100" in the amount field.

Step 2: Select Your Fee Rate

Choose the fee rate that matches your transaction type from the dropdown menu:

Domestic Transactions (Within the Same Country)

• 2.9% + $0.30 - Standard rate for online payments (PayPal checkout, invoices, payment buttons)
• 2.7% + $0.30 - Payments received at a physical store location
• 2.2% + $0.30 - Discounted rate for registered nonprofit organizations
• 5% + $0.05 - Micropayments (small transactions under $10)

International Transactions (Cross-Border Payments)

• 4.4% + $0.30 - Online payments from international buyers
• 4.2% + $0.30 - International payments at store locations
• 3.7% + $0.30 - International payments for nonprofits
• 6.5% + $0.05 - International micropayments

Mobile Card Reader (PayPal Here)

• 2.7% - Card swiped or customer check-in payments
• 3.5% + $0.15 - Manually keyed or scanned card transactions
• 4.2% - International mobile payments (includes 1.5% cross-border fee)

Virtual Terminal (Phone/Mail Orders)

• 3.1% + $0.30 - Domestic phone or mail order payments
• 4.6% + $0.30 - Cross-border phone or mail order payments

Step 3: Click Calculate

Press the Calculate button to see your results. You can also click Sample to see an example calculation, or Reset to start over.

Understanding Your Results

After calculating, you will see three important numbers:

Practical Examples

Example 1: Selling a Product Online

You want to sell a product for $50 using standard online checkout:

• Enter: $50
• Select: 2.9% + $0.30 (Domestic online transaction)
• Result: PayPal fee is $1.75, you receive $48.25

Example 2: Receiving Exact Payment

A client owes you exactly $500 for freelance work. To receive $500 after fees:

• Enter: $500
• Select: Your applicable fee rate
• Use the "You Should Ask For" amount when invoicing your client

Example 3: International Sale

You are selling to a customer in another country:

• Enter your product price
• Select: 4.4% + $0.30 (International online transaction)
• The higher rate accounts for currency conversion and cross-border processing

Tips for Reducing PayPal Fees

• Use in-person payments when possible - swiped card rates are lower than online rates
• Register as a nonprofit if eligible to get discounted rates
• Consider micropayment pricing for items under $10 - the 5% + $0.05 rate may be cheaper
• Factor fees into pricing - use the "You Should Ask For" amount to ensure you receive your target profit

Important Notes

• Fees shown are based on standard PayPal rates and may vary based on your account type or volume discounts
• Additional fees may apply for currency conversion, chargebacks, or specific payment methods
• Always check PayPal official fee schedule for the most current rates
• This calculator uses USD - for other currencies, convert amounts first