PayPal Fee Calculator

PayPal Fee Calculator - Checkout, Goods & Invoices

The PayPal Fee Calculator estimates US PayPal merchant fees, net payout, and reverse invoice amounts directly in the browser. It covers common PayPal payment types including PayPal Checkout, standard credit/debit card payments, Goods & Services, and PayPal Pay Later, with fixed-fee presets for USD, EUR, GBP, CAD, and AUD plus an international commercial transaction toggle. It is useful for freelancers, ecommerce sellers, SaaS teams, and cross-border service providers who need to price invoices and understand PayPal deductions before accepting a payment.

How to use the PayPal Fee Calculator?

1Enter the amount your customer will pay or the net amount you want to receive.
2Choose the PayPal payment type that matches your checkout, invoice, or card flow.
3Select the receiving currency so the fixed fee matches the currency you receive.
4Use the reverse invoice result when you want the customer-facing price to cover the processing fee.

Input

Enter a transaction amount, choose the PayPal payment type, select the receiving currency, and optionally add the international commercial transaction surcharge. Decimal values are supported. Currency selection controls the fixed fee, such as $0.49 for USD, 0.39 for EUR/GBP, and 0.59 for CAD/AUD. The payment type controls the percentage rate and whether a fixed fee applies.

Output

The tool returns the applied rate, estimated PayPal fee, effective fee rate, net payout, and the invoice amount needed to receive a target net amount. The forward result shows what you keep when the customer pays a given amount; the reverse result helps you quote a gross amount that covers the processing fee.

How it works

All calculations run synchronously in the browser. Forward formula: fee = transaction amount × percentage rate + fixed fee; net payout = transaction amount − fee. The international toggle adds 1.5 percentage points to the base percentage rate. Reverse formula: invoice amount = (target net + fixed fee) / (1 − percentage rate). US merchant presets were reviewed in 2026-06; account country, product setup, risk rules, currency conversion, and custom pricing can change the actual PayPal fee.

Supported modes

PayPal Checkout
Credit and debit cards
Goods & Services
Pay Later
Multi-currency fixed fees
International surcharge
Reverse invoice amount

PayPal fee calculation example

Input example

Transaction amount: 100.00 USD
Payment type: PayPal Checkout
International transaction: no

Output example

PayPal fee: $3.98 USD
Estimated payout: $96.02 USD
Invoice to receive $100.00 USD: $104.12 USD

Why use this PayPal fee calculator?

Multiple PayPal fee profilesSwitch between Checkout, card payments, Goods & Services, and Pay Later without rebuilding a spreadsheet.
Reverse invoice mathSee how much to charge when you need to receive an exact net amount after PayPal fees.
Currency-aware fixed feesChoose USD, EUR, GBP, CAD, or AUD so the fixed fee reflects the receiving currency.

Frequently Asked Questions

Which PayPal rates does this calculator use?

It uses common US PayPal merchant fee presets, including PayPal Checkout at 3.49% + fixed fee, standard credit/debit card payments at 2.99% + fixed fee, Goods & Services at 2.99%, and Pay Later at 4.99% + fixed fee.

Why does the fixed fee change by currency?

PayPal fixed fees are based on the currency received. For example, USD, EUR, GBP, CAD, and AUD use different fixed fee amounts, so the calculator changes the fixed portion when you switch currency.

Does this include currency conversion?

No. The calculator estimates payment processing fees only. PayPal currency conversion spreads, account-specific pricing, chargebacks, refunds, and tax treatment can change your final statement.

Disclaimer: This is an estimate based on public US PayPal merchant fee presets. Always verify final fees in your PayPal account statement.

Last updated 2026-06 · ToolOrbit Editorial Team