PayPal Fee Calculator
PayPal charges a percentage plus a fixed fee, and cross-border payments cost more.
Enter your numbers above.
Goods and services vs friends and family
Commercial payments carry the 3.49% + 49c rate in the US. Friends and family transfers are free for domestic senders but offer no seller protection, which is why asking buyers to use them violates PayPal's terms.
Cross-border payments add a 1.5% fee plus a currency conversion spread of roughly 3-4%.
Related: see how the same sale nets out on every marketplace. Compare platforms
FAQ
- Can I avoid PayPal fees?
- No. Only friends and family transfers are free, and using them for sales breaches the user agreement.
- Are cross-border fees higher?
- Yes, about 1.5% on top of the domestic rate, plus currency conversion.
- Is PayPal cheaper than Stripe?
- Usually not for domestic cards, but it converts better with some audiences.
Related calculators
PayPal fees differ from card processing
Cross-border and currency conversion add another layer on top of the base rate.
See PayPal business pricing →Affiliate link. This does not change what you pay.