PayPal US Fee Calculator 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.
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.
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) |
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.
This page’s recorded fee review is over a year old. We’ve surfaced the date instead of presenting old numbers as current; verify the platform’s official schedule before listing.
Common 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.
See where the profit is.
Run the same sale across the major platforms and compare the result side by side.