Included in this estimate
What the math covers
- PayPal Checkout
- Buyer-recognized payment option
- No standard monthly platform fee
Payments fee guide
PayPal fee calculator: checkout fees and take-home pay
Familiar checkout with a more layered fee schedule. A reference estimate for standard PayPal Checkout transactions in the US.
Source checked PayPal merchant fees· Page updated October 14, 2026
Quick calculator
Sale breakdown
$
Estimated fees
−$3.98You keep
$96.02Effective rate3.98%
Reference estimate based on 3.49% + $0.49. Excludes taxes, refunds, optional services, currency conversion, and special pricing.
Watch the edges
What can change your result
- Rates vary by product
- International fees may apply
- Currency conversion can add cost
Quick pricing examples
What common sale amounts leave.
One transaction using the editable baseline of 3.49% + $0.49. Monthly charges are included when the baseline has one.
| Gross sale | Estimated fees | You keep | Effective rate |
|---|---|---|---|
| $10.00 | $0.84 | $9.16 | 8.39% |
| $50.00 | $2.24 | $47.77 | 4.47% |
| $100.00 | $3.98 | $96.02 | 3.98% |
| $500.00 | $17.94 | $482.06 | 3.59% |
Pricing explained
What the headline rate means.
PayPal Checkout uses 3.49% + $0.49 in the US
PayPal currently lists 3.49% plus a $0.49 USD fixed fee for domestic PayPal Checkout, PayPal Guest Checkout, and Pay with Venmo transactions. This calculator models that checkout baseline.
Card processing can use a different rate
Standard credit and debit card payments through PayPal Checkout are currently listed at 2.99% + $0.49, while Expanded Checkout card processing starts at a different rate. Choose the rate for the payment method you actually offer.
International payments add another percentage
PayPal currently adds 1.5% when a US business receives an international commercial transaction. Currency conversion can create a separate cost, so the domestic calculator result is not the final answer for a cross-border sale.
Reference rate
3.49% + $0.49Fees change by country, plan, payment method, and account history. ClearFeeMath estimates are planning tools, not invoices.Common questions
How much does PayPal take?
Our baseline model uses 3.49% + $0.49. Actual fees can vary by country, plan, product category, payment method, and account terms.
What is included in this PayPal estimate?
PayPal Checkout, Buyer-recognized payment option, No standard monthly platform fee. Costs listed under “Watch the edges” are not included unless the calculator states otherwise.
How much does PayPal take from a $100 Checkout payment?
At the US domestic PayPal Checkout baseline of 3.49% + $0.49, the fee is $3.98 and the seller keeps $96.02 before taxes, refunds, disputes, or currency conversion.
Is the PayPal fee always 3.49% + $0.49?
No. That is the current US domestic rate for PayPal Checkout and several PayPal-wallet transactions. Card processing, Pay Later, QR codes, invoicing, international transactions, and other products can use different rates.
What is the extra PayPal fee for an international commercial payment?
For a US PayPal account, PayPal currently lists an additional 1.5% for an international commercial transaction, on top of the applicable domestic rate. Currency conversion can add a separate cost.
Is this the exact amount PayPal will charge?
No. This is a planning estimate based on the linked public pricing source. Your account statement and current PayPal terms take precedence.
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