Percentage fee
The variable portion of a payment-processing charge rises with the transaction amount. A 3.49% rate on $100 contributes $3.49 before the fixed fee.
PayPal fee calculator and seller planning tools
Find the estimated processing fee, amount you keep, price to request, product profit, and monthly payment costs. Select the payment channel that matches how your customer pays.
Rates are estimates based on PayPal's US merchant fee schedule, updated October 1, 2026. Some categories, contracts, currencies, cross-border payments, and conversion charges differ. Always check your actual PayPal statement.
1. Fee and take-home calculator
Where your payment goes
Live breakdown of the selected transaction. Chart values update as you edit the payment.
2. Reverse calculator — how much should you request?
Enter the exact amount you want to keep after estimated processing fees. Uses the rate and payment method selected above.
3. Product profit and pricing planner
See how transaction costs affect actual profit after product costs, shipping, and other expenses.
4. Monthly volume estimator
Fixed transaction fees add up. Estimate monthly processing costs based on your average sale size and number of payments.
5. Compare payment methods
See how common US payment channels differ for the payment amount entered in calculator 1. Not every business is eligible for every channel or rate.
Compare estimated fees visually
Shorter bars indicate lower estimated fees for this payment amount. Eligibility and additional charges vary.
Understanding the result
Fixed fee
Some methods add a per-transaction charge. That makes small purchases more expensive as a percentage of the sale than large purchases.
International payments
For many US commercial transactions, PayPal publishes an additional 1.50 percentage points when receiving an international payment. Currency conversion may create separate costs.
Next: go beyond the quick estimate
Read our payment-type rate reference, fully worked examples, seller pricing guide, and calculation methodology. Each explains assumptions, limits, and real-world use cases.