Calculate PayPal transaction fees for different payment types including domestic, international, and currency conversion fees. See your net amount after fees.
PayPal charges different fees depending on the type of transaction, whether it's domestic or international, and if currency conversion is involved. Understanding these fees helps you price your products correctly and manage your business finances effectively.
PayPal's fee structure varies based on transaction type and location. Here are the main fee categories:
Standard Domestic
2.99%
For goods and services within the same country
Invoice / Checkout / Venmo
3.49% + $0.49
For invoicing, PayPal Checkout, and Venmo transactions
Card Payments
2.99% + $0.49
For credit and debit card payments
International
4.49% + $0.49
Includes 1.5% international transaction fee plus base rate
Currency Conversion
+4%
Additional fee when converting currencies
The location of the buyer and seller significantly impacts PayPal fees. International transactions incur higher fees due to additional processing costs and currency conversion.
When both buyer and seller are in the same country, standard domestic rates apply:
Cross-border transactions include additional fees:
PayPal fees are calculated based on the transaction amount and type. Here's how it works:
Percentage Fee
A percentage of the transaction amount (2.99% to 4.49% depending on type).
Fixed Fee
A fixed amount per transaction ($0.49 for most commercial transactions).
International Fee
Additional 1.5% for cross-border transactions (included in the 4.49% rate).
Currency Conversion
Additional 4% when receiving payment in a different currency than your account.
PayPal's fees are competitive with other payment processors, but each has different advantages:
PayPal: 2.99% - 3.49% + $0.49
Wide acceptance, buyer protection, easy integration
Stripe: 2.9% + $0.30
Developer-friendly, modern API, subscription support
Square: 2.9% + $0.30
Great for in-person sales, POS integration
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