Home/PayPal Fee Calculator
Compare Stripe Fees
Updated for 2026 Official PayPal Merchant Schedule

PayPal Fee Calculator (2026 Live Rates)

Calculate exact merchant deductions for Goods and Services, cross-border payments, and reverse-calculate how much to invoice your clients so you receive the full amount.

PayPal Fee Calculator (2026 Live Rates)

Verified Rates

Calculate exact merchant deductions or reverse-calculate invoice amounts.

$500 USD
$
Net Payout in Your AccountTake-Home
$484.56

From an original customer payment of $500.00

Gross Payment:$500.00
PayPal Fee (2.99% + $0.49):-$15.44
Effective Fee Percentage:3.09%
Stripe Alternative:

Stripe Fee: $14.80

+$0.64 Saved

with Stripe

2026 PayPal Merchant Fee Breakdown Table

Transaction TypePercentage FeeFixed FeeFee on $100Net Take-Home
US Domestic Goods & Services2.99%$0.49-$3.48$96.52
International Cross-Border4.49%$0.49-$4.98$95.02
Donations / 501(c)(3) Non-Profit1.99%$0.49-$2.48$97.52
QR Code / In-Person (> $10)1.90%$0.10-$2.00$98.00

Reverse Fee Formula: How to Invoice Clients for Exact Amounts

If you simply add 2.99% to your invoice, you will still end up short because PayPal takes 2.99% of the newly increased total. Use the verified algebraic formula below:

Invoice Amount = (Target Net Amount + Fixed Fee) / (1 - Fee Percentage / 100)

Example for $1,000 domestic payout: ($1,000 + $0.49) / (1 - 0.0299) = $1,031.33. When your client pays $1,031.33, PayPal deducts $31.33, leaving you with exactly $1,000.00.

Explore More Real-Time Payout Calculators