🇺🇸 Free Calculator • Updated Jan 3, 2025

PayPal US Fee Calculator 2025 - Calculate PayPal Fees for US Sellers

Free PayPal US fee calculator. Calculate PayPal checkout fees (3.49% + $0.49), standard card fees, and international fees. Updated for 2025.

Payment Amount

The amount you'll receive (USD)

Your Cost (Item/Service)

What you paid for the item/service

Other Costs

Shipping, packaging, etc.

Transaction Type

International payment (+1.5%)

Currency conversion (+4%)

Total PayPal United States Fees

$3.98

3.98% of payment

You Receive

$96.02

After PayPal fees

Your Profit

$71.02

71.02% margin

ROI (Return on Investment)

355.10%

On $20.00 investment

Effective Fee Rate

3.98%

All fees combined

Fee Breakdown

Percentage Fee (3.49%)$3.49

Fixed Fee$0.49

Total PayPal Fees$3.98

Profit Calculation

Payment Amount$100.00

- PayPal Fees$3.98

= Net Revenue$96.02

- Item/Service Cost$20.00

- Other Costs$5.00

= Profit$71.02

Compare PayPal United States Transaction Types

Transaction Type	Fee Rate	Fees on $100.00	You Receive
PayPal Checkout	3.49% + $0.49	$3.98	$96.02
Standard Card	2.99% + $0.49	$3.48	$96.52
QR Code	2.29%	$2.29	$97.71

💡 PayPal United States Tips

• PayPal Checkout: 3.49% + $0.49 per transaction

• Standard card payments: 2.99% + $0.49

• QR code transactions: 2.29% + $0.09

• Additional 1.5% for international transactions

• Friends & Family: Free (domestic)

• Currency conversion adds ~4% spread

PayPal US Fee Structure 2025

PayPal charges different fees depending on how payments are received. The most common rates for US sellers are:

PayPal US Transaction Fees

Transaction Type	Fee Rate	Fixed Fee	Best For
PayPal Checkout	3.49%	$0.49	Online sales
Standard Card	2.99%	$0.49	Direct card payments
QR Code	2.29%	$0.09	In-person sales
Pay Later Options	4.99%	$0.49	Financing offered to buyers
Goods & Services	2.99%	-	P2P item sales

International Fee

When receiving payments from outside the US, PayPal adds a 1.5% international fee on top of the standard transaction fee.

Currency Conversion

If you receive payment in a foreign currency and convert to USD, PayPal charges approximately 4% currency conversion spread above the base exchange rate.

💡 Fee Saving Tips for US Sellers

Use QR codes for in-person sales to pay only 2.29%
Accept cards directly (2.99%) instead of PayPal Checkout (3.49%)
Set up a PayPal Business account for invoicing and lower micropayment rates
Avoid currency conversion by keeping funds in original currency when possible
Never use Friends & Family for business - it violates terms and removes protection

PayPal vs Other Payment Processors

Processor	Online Rate	In-Person Rate	Best For
PayPal	3.49% + $0.49	2.29% + $0.09	Trust, international
Stripe	2.9% + $0.30	2.7% + $0.05	Developers, subscriptions
Square	2.9% + $0.30	2.6% + $0.10	Retail, restaurants
Venmo Business	1.9% + $0.10	1.9% + $0.10	Young demographic

When PayPal Makes Sense

Use PayPal when:

Selling on platforms like Grailed, Depop, or Facebook Marketplace
Need buyer protection and dispute resolution
Selling internationally
Buyers prefer PayPal for trust

Consider alternatives when:

Processing high volume (Stripe/Square have volume discounts)
Only need in-person payments (Square is simpler)
Selling to younger demographic (Venmo Business)

PayPal Fee Examples

Sale Price	Checkout Fee	Card Fee	QR Fee	You Receive (Best)
$25	$1.36	$1.24	$0.66	$24.34 (QR)
$50	$2.24	$1.99	$1.24	$48.76 (QR)
$100	$3.98	$3.48	$2.38	$97.62 (QR)
$250	$9.22	$7.97	$5.82	$244.18 (QR)
$500	$17.94	$15.44	$11.54	$488.46 (QR)

⚠️ Important PayPal Policies

Don’t use Friends & Family for sales - violates PayPal terms
Keep records of all transactions - required for disputes
Ship with tracking - required for Seller Protection
Respond to disputes within 10 days - or lose automatically
Dispute fees can be $15-30 per case

PayPal for Resellers

Many reselling platforms integrate PayPal:

Grailed: PayPal is the default payment method
Depop: PayPal checkout available alongside Depop Payments
Facebook Marketplace: PayPal shipping option
eBay: Managed Payments replaced PayPal, but some exceptions exist

For best results, combine PayPal with platform-specific payment methods and always factor fees into your pricing.

Frequently Asked Questions

What are PayPal US fees in 2025?

PayPal US charges 3.49% + $0.49 for PayPal Checkout transactions, 2.99% + $0.49 for standard card payments, and 2.29% + $0.09 for QR code transactions. International transactions add 1.5%.

How much does PayPal take from a $100 payment?

For a $100 PayPal Checkout payment: 3.49% ($3.49) + $0.49 = $3.98 total. You receive $96.02.

Is PayPal Friends & Family free?

Yes, PayPal Friends & Family is free for domestic payments funded by bank account or PayPal balance. However, it's against PayPal's terms to use for business transactions and offers no buyer/seller protection.

What's the cheapest way to receive PayPal payments?

QR code transactions have the lowest fees at 2.29% + $0.09. For online payments, standard card payments (2.99% + $0.49) are cheaper than PayPal Checkout (3.49% + $0.49).

Does PayPal charge fees on international payments?

Yes, PayPal adds 1.5% for international transactions. Currency conversion adds another 4% if applicable.