1. Choose the payment method
Select PayPal Checkout, cards, QR, Pay Later, ACH, donations, charity, or a custom payment agreement.
Payment processing fee calculator
PayPal Fee Calculator
Estimate PayPal Checkout, card, QR, Venmo, Pay Later, ACH, international, currency-conversion, refund, chargeback, dispute, and other payment costs—then calculate net received, gross-up amount, profit, margin, monthly fees, and annual fee exposure.
Current US fee presets
Gross-up calculation
Profit and volume impact
Calculate PayPal fees and net payment
Select a current US business-fee preset or enter a custom rate. Fixed fees update automatically for the selected currency and payment type.
PayPal rates depend on the merchant's country, account
agreement, payment product, currency received, buyer location,
integration, eligibility, risk programme, and transaction
circumstances. Verify actual charges in your PayPal account
before final pricing or contract decisions.
How the PayPal Fee Calculator works
The calculator applies the selected percentage, fixed fee, international add-on, conversion spread, and any fee cap. It then estimates expected refund and dispute costs, merchant profit, gross-up pricing, and volume-level fees.
2. Add international and risk costs
Include cross-border fees, currency conversion, refunds, disputes, chargebacks, and other transaction-level costs that affect net receipts.
3. Calculate gross-up and profit
The tool shows the amount to charge for a desired net receipt, profit after delivery cost, target-margin pricing, and monthly or annual fee exposure.
Transaction Fee
Percentage Fee + Fixed Fee + International Fee +
Conversion Cost + Other Fees
Net Amount Received
Payment Amount − Estimated PayPal Fee
Gross-Up Amount
Payment Required so Net Amount after Fees
Equals the Desired Receipt
Signal
Possible meaning
What to review
High effective fee rate
Low ticket or extra fee layers
Fixed fees affect small payments more heavily. Also review international transactions, conversion, Pay Later, QR integration, disputes, and your contracted processing product.
Frequent refunds
Processing fees retained
PayPal generally does not return the original receiving fees after full or partial commercial refunds. Improve product information, delivery, service quality, and cancellation policies.
High dispute exposure
Risk and support pressure
Strengthen proof of delivery, buyer communication, billing descriptors, fraud controls, documentation, refund handling, and seller-protection eligibility.
Large monthly fee total
Negotiation opportunity
Compare payment products, ACH, advanced card processing, negotiated rates, average order value, checkout conversion, chargeback protection, and alternative payment providers.
Frequently asked questions
Important details for estimating PayPal business fees and payment profitability.
What is the standard PayPal Checkout fee in the US?
PayPal currently lists PayPal Checkout, Guest Checkout, Pay with Venmo, and most other commercial transactions at 3.49% plus the fixed fee for the currency received.
What is the PayPal fixed fee?
The fixed fee depends on the payment product and currency received. For standard US commercial transactions received in USD, the current fixed fee is $0.49. QR and advanced-card products use different fixed-fee schedules.
How much does PayPal charge for international payments?
For US commercial transactions, PayPal currently adds 1.50% when the payment is international. A currency-conversion spread may also apply when PayPal converts the funds.
What currency-conversion spread does PayPal use?
PayPal's US merchant fee page currently lists a 4% spread for certain payments or transfers involving another currency and 3% for other conversions, unless another amount is disclosed during the transaction.
Does PayPal return processing fees after a refund?
PayPal states that there is no separate fee to issue a full or partial commercial refund, but the fees originally paid to receive the payment are not returned.
What are PayPal dispute and chargeback fees?
Fees depend on transaction type, currency, dispute volume, and protection eligibility. Current US examples include a $15 standard dispute fee, $30 high-volume dispute fee, and $20 card chargeback fee.
How does the gross-up calculation work?
The calculator searches for the payment amount that leaves the desired net receipt after percentage, fixed, capped, international, conversion, and other entered transaction fees.
Is this an official PayPal calculator?
No. It is an independent planning tool. PayPal's official fee pages, account agreement, transaction details, and merchant statements remain authoritative for actual fees and exchange rates.