PayPal Fee Calculator
Calculate PayPal transaction fees for payments, including standard, micropayment, and international rates
Calculate PayPal Fees
Amount the sender will send in USD
Type of PayPal transaction
Currency being sent from
Your account currency
Check if sender and receiver are in different countries
PayPal Fee Calculation
Fee Analysis
Example Calculations
Domestic Payment ($100 USD)
Amount: $100.00 USD
Rate: 2.9% + $0.30
Fee: ($100 × 2.9%) + $0.30 = $3.20
You receive: $96.80
International Payment ($100 USD → JPY)
Send: $100.00 USD
Exchange rate: ~150 JPY per USD
Converted amount: ~¥15,000 JPY
PayPal fees: Currency conversion (4%) + Processing (4.4%) + Fixed (¥40)
Receiver gets: ~¥14,320 JPY
Total fees: ~$5.50 USD equivalent
Micropayment ($5 USD)
Amount: $5.00 USD
Standard Rate: (2.9% × $5) + $0.30 = $0.45 (9% fee)
Micropayment Rate: (5% × $5) + $0.05 = $0.30 (6% fee)
Micropayment saves: $0.15
India Payment ($100 USD → INR)
Send: $100.00 USD
Exchange rate: ~83 INR per USD
Converted amount: ~₹8,300 INR
PayPal fees: Currency conversion (4%) + Processing (4.4%) + Fixed (₹3.00)
Receiver gets: ~₹7,930 INR
Total fees: ~$4.50 USD equivalent
Custom Rate Example ($100 USD → EUR)
Send: $100.00 USD
Custom rate: 1 USD = 0.90 EUR (your bank rate)
Converted amount: €90.00 EUR
PayPal fees: Currency conversion (4%) + Processing (3.4%) + Fixed (€0.35)
Receiver gets: ~€86.30 EUR
Use case: Bank rates, historical rates, or specific scenarios
PayPal Account Types
Personal
For casual users
Free personal payments
Business
For merchants
Commercial payment fees apply
Merchant
Volume discounts
Lower rates for high volume
Fee Reduction Tips
Use same currency to avoid conversion fees
Apply for merchant rates if you process $3000+/month
Use micropayment rates for small transactions
Bundle small payments to reduce fixed fees
Use Friends & Family for personal payments
Use custom exchange rates for bank rates or historical calculations
Understanding PayPal Fees
How PayPal Fees Work
PayPal charges fees on commercial transactions using a combination of a percentage-based variable fee and a fixed fee. The exact rates depend on your location, transaction type, and whether it's domestic or international.
Fee Structure
- •Standard Rate: Variable % + Fixed fee per transaction
- •International: Additional 1.5% for cross-border transactions
- •Currency Conversion: 4% fee for different currencies
- •Micropayments: 5% + lower fixed fee for small amounts
When Fees Apply
Fees Always Apply
Commercial payments, goods & services, business transactions
No Fees (Conditions Apply)
Personal payments between friends & family in same country using PayPal balance or bank account
Additional Fees
Credit card funding, international transfers, currency conversion