Standard US rates
Rates can vary by account and change over time, so confirm yours in your PayPal account.
| Payment type | Fee |
|---|---|
| PayPal Checkout (buttons on your site, invoices) | 3.49% + $0.49 |
| Goods & services / standard card payments | 2.99% + $0.49 |
| Buyer outside the US | +1.5% international fee |
Example
On a $100 PayPal Checkout payment you pay $3.49 + $0.49 = $3.98, and receive $96.02.
How much to charge to receive a set amount
To net an exact amount, divide it (plus the fixed fee) by one minus the percentage: charge = (target + $0.49) ÷ (1 − 0.0349).
To receive $100, charge $104.12. The PayPal Fee Calculator does this automatically with the “How much to charge” option.
Ways to reduce payment fees
- Compare PayPal with Stripe or Shopify Payments for your typical order size.
- Encourage larger orders — the fixed $0.49 matters less on bigger baskets.
- Watch currency conversion costs on international sales.