🇺🇸 US PayPal Fee Calculator

Calculate PayPal fees for merchants and consumers in the United States!

Up-to-date as of Aug 12 2021

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USA PayPal Fees Structure

Like any other payment processing system, PayPal serves both the consumers/buyers and merchants/sellers. Consumers refer to the customers or buyers while merchants refer to the sellers or service providers. If you buy something on a website using PayPal, you are a consumer.

For merchants, PayPal offers both online and point-of-sale products. Each charges different fees, which will be explained in depth below.
The standard fee for merchants starts from 3.49% plus 49¢ per transaction, while a non-profit is charged less, starting from 1.99% plus 49¢ per transaction.

For example, if a buyer pay $100 for an order, PayPal will take ($100 x 0.0349) + $0.49 = $3.98 and the merchant will receive $100 - $3.98 = $96.02
In the case of a charity transaction, PayPal will take a lower cut of ($100 x 0.0199) + $0.49 = $2.48 and the nonprofit will receive $100 - $2.48 = $97.52

PayPal no longer offers further discounts based on your monthly transaction amount. No matter whether you sell $10 or $100,000, you will pay the same percentage plus fixed fee.

For more information on PayPal fees, check out PayPal merchant fees or PayPal consumers fees.

PayPal merchant fees

A PayPal merchant rate is usually split into two parts: a percentage rate and a fixed fee.
The fixed fee is different for each type of transaction and currency, whereas the percentage rate only varies for different transaction type.

It is important to note that if you have a personal PayPal account and sold something online with the fund being processed through PayPal, you are classifed as a merchant in this scenario.

Commercial transactions

This is the standard PayPal transaction for every merchant. If the payment currency is not in USD, the fixed fee will vary based on the currency.

For more information, please refer to PayPal merchant fees.

Domestic sales International sales
2.9% + $0.30 3.49% + $0.49 4.4% + $0.30 4.99% + $0.49

QR code transactions

Transaction amount Domestic sales International sales
$10.01 and above 1.9% + $0.05 3.4% + $0.05
$10.00 and below 2.4% + $0.10 3.9% + $0.10

Donation transactions

Different from charity transactions, this refers to the 'Donate' button you see on some websites.

Domestic sales International sales
2.89% + $0.49 4.39% + $0.49

Charity transactions

If you are verified as a charitable 501(c)(3) organization, there are further discounts.

Domestic sales International sales
2.2% + $0.30 1.99% + $0.49 3.7% + $0.30 3.49% + $0.49

PayPal Here

Similar to Square reader, PayPal Here is the point-of-sale card reader offered to physical store sellers. There are no startup costs, no termination fee, and no monthly fees.

For more information, please refer to PayPal Here in America.

Type Domestic sales International sales
Swiped or Check-in 2.7% 4.2%
Keyed or Scanned 3.50% + $0.15 5% + $0.15

PayPal Payments Pro

Account type Domestic sales International sales
Normal 2.89% + $0.49 4.39% + $0.49
Charity/Nonprofit 1.99% + $0.49 3.49% + $0.49

Virtual Terminal

Virtual Terminal allows you to accept payments over the phone and turn any computer into a credit card terminal.

For more information, please refer to PayPal Virtual Terminal in America.

Account type Domestic sales International sales
Normal 3.1% + $0.30 3.09% + $0.49 4.6% + $0.30 4.59% + $0.49
Charity/Nonprofit 2.39% + $0.49 3.89% + $0.49

Micropayments

If your transactions are less than $10 and you qualified for Micropayments.

Domestic sales International sales
5% + $0.05 4.99% + $0.09 6.5% + $0.05 6.49% + $0.09

PayPal consumer fees

Using PayPal to buy something

You don't have to pay any extra fees for purchasing something through PayPal. The merchant will bear the cost.

Buying and selling cryptocurrencies

Purchase or sale amount Rate
$1.00 – $24.99 USD $0.50
$25.00 – $100.00 USD 2.30%
$100.01 – $200.00 USD 2.00%
$200.01 – $1000.00 USD 1.80%
Equal to or over $1000.01 USD 1.50%

Receiving donations

In the U.S. Outside the U.S.
2.89% + $0.49 4.39% + $0.49

Sending and receiving money

To In the U.S. Outside the U.S.
PayPal balance or a bank account 0% 5%
Cards 2.90% + $0.30 7.90% + $0.30
Amex Send™ Account 0% 5%

Withdrawals

To Local account Instant
Bank account 0% 1.5%
Cards 1.5%
Checks $1.50

FAQs

How do I calculate PayPal fees?

For standard domestic commerical transaction, PayPal charge 3.49% + $0.49. PayPal charges different fees for merchants/sellers and consumers/buyers.

How much does PayPal take in fees?

PayPal charges merchants 3.49% + $0.49 for standard commerical transactions. If you're buying with PayPal, there is no extra charge.

What are PayPal fees 2021?

If you're a buyer/customer, there is no fee when you buy with PayPal.
If you're a seller, there are different fees depending on the type of transaction. The standard domestic transaction fee is 3.49% + $0.49.

What are PayPal fees on $100?

There is no charge if you're a buyer.
If you're a seller and it's a domestic sales, you get $96.02 and PayPal takes $3.98 (3.49% + $0.49).
If it's a international sales, you get $94.52 and PayPal takes $5.48 (4.99% + $0.49).

What fees does PayPal charge?

There is zero fee for PayPal consumers. PayPal only charge merchants and the fees varies depending on the type of transaction.
Standard commerical fee (domestic) is 3.49% + $0.49 and standard commerical fee (international) is 4.99% + $0.49.