Payment apps
PayPal Fee Calculator
See PayPal's fee and what you will actually keep from a payment.
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Based on the US PayPal goods & services online checkout rate (3.49% + $0.49). Card-funded (2.99%) and international (4.49%) payments differ. Last updated 2026-05.
How PayPal fees work
For goods and services payments in the US, PayPal charges 3.49% of the amount plus a fixed $0.49 fee. The fee comes out of the money you receive, so you always get a little less than the buyer paid.
This calculator shows the PayPal fee and your net amount, so you know exactly what will land in your account.
Frequently asked questions
How much does PayPal take per transaction?+
For US goods and services payments, PayPal charges 3.49% + $0.49. On a $100 payment the fee is about $3.98, so you receive $96.02.
Who pays the PayPal fee, sender or receiver?+
The receiver pays the fee. PayPal deducts it from the amount before it reaches your balance.
Can I avoid PayPal goods & services fees?+
No. Fees on goods & services payments cannot be avoided, and routing commercial payments through 'friends & family' violates PayPal terms and removes buyer and seller protection.