PayPal US Fee Calculator
Instantly calculate your PayPal US fees and find out your final payout after deductions.
Last Updated: Apr 12, 2025
Understanding PayPal US Fees
PayPal charges fees for various types of transactions, depending on whether you’re using a Consumer or Merchant account. Below, we break down the fees for both account types to help you understand how PayPal calculates costs.
PayPal Consumer Fees USA
For personal PayPal accounts, fees vary depending on the type of transaction. Below is a detailed breakdown of the most common fees for consumers:
| Transaction Type | Domestic Fee | International Fee |
|---|---|---|
| Buying with PayPal | No fee (Currency conversion fees apply) | |
| Receiving Donations | 2.89% + fixed fee | +1.50% |
| Sending Money (Personal Transactions) | No fee (PayPal balance/bank) or 2.90% + fixed fee (card) | +5.00% |
| Currency Conversion | 4.00% (goods/services) or 3.00% (other) | |
| Withdrawing Funds | No fee (standard withdrawal) or 1.75% (instant withdrawal) | |
For more details on personal fixed fees and additional charges, visit: PayPal’s US Official Consumer Fees Page
PayPal Merchant Fees USA
For business accounts, PayPal charges different rates depending on the type of transaction. Here’s a breakdown of the most common fees for merchants:
| Transaction Type | Domestic Fee | International Fee |
|---|---|---|
| PayPal Checkout | 3.49% + fixed fee | +1.50% |
| Credit and Debit Cards | 2.99% + fixed fee | +1.50% |
| Goods and Services | 2.99% | +1.50% |
| QR Code Transactions | 2.29% + fixed fee | +1.50% |
| Donations | 2.89% + fixed fee | +1.50% |
| Charity Transactions | 1.99% + fixed fee | +1.50% |
| Micropayments | 4.99% + fixed fee | +1.50% |
| Currency Conversion | 4.00% (goods/services) or 3.00% (other) | |
For more details on business fixed fees and additional charges, visit: PayPal’s US Official Merchant Fees Page
Key Notes About PayPal Fees
Here are some important things to keep in mind when using PayPal:
- Fixed Fees: These vary depending on the currency used in the transaction. For exact amounts, refer to PayPal’s official fee pages.
- International Fees: Additional fees apply for cross-border transactions, so always check the rates before sending or receiving money internationally.
- Currency Conversion: If you’re dealing with multiple currencies, PayPal will charge a conversion fee, which can add up quickly.
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