PayPal Fee Calculator — United States
This is PayPal Checkout, the standard rate for most US online Goods & Services sales.
Country: United States
Effective rate: 3.59%
PayPal fees at a glance
| Percentage fee | 3.49% |
|---|---|
| Fixed fee | $0.49 |
| Total fee on a $500 transaction | $17.94 |
| You receive | $482.06 |
Worked example
On a $500 sale, PayPal charges $17.94 in fees, and you receive $482.06.
How this fee is calculated
PayPal charges 3.49% of the transaction amount plus a flat fixed fee of $0.49 per successful charge. This is the standard US domestic card rate — international cards and currency conversion may cost more. Adjust the amount above to see the exact split.
What affects this fee
- Currency conversion adds 3–4% when receiving non-USD payments
- PayPal Here (in-person) is cheaper at 2.29% + $0.09
- Micropayment pricing (5% + $0.05) is available for small transactions
- Cross-border fees vary by corridor — typically 0.5–1.5% extra
How PayPal compares in United States
On the same $500 transaction:
Frequently asked questions
What is the PayPal fee for US online sales?
For standard US Goods and Services payments, PayPal Checkout charges 3.49% of the transaction plus a fixed $0.49. This is the rate most US businesses pay.
How much does PayPal charge for a $100 sale in US?
On a $100 US sale, PayPal deducts 3.49% plus the $0.49 fixed fee — about $96.02 — so you keep roughly $96.02 before any other costs.
Does PayPal charge more for international payments in US?
Yes. Cross-border and currency-conversion PayPal payments carry higher fees than the domestic US rate shown here — typically a fixed cross-border fee plus a conversion margin on top of the exchange rate.
Does PayPal refund its fee in US?
When you issue a full refund through PayPal, the original processing fee is returned. For partial refunds, only a proportional portion of the fee is returned, which differs slightly from other processors.
Is there a PayPal monthly fee or setup cost in US?
No. PayPal Business has no monthly fee or setup cost — you pay only the per-transaction rate shown here. There are optional add-ons, but the standard US rate is pay-as-you-go.
What other PayPal fees apply in US?
Besides the standard rate, PayPal charges for chargebacks/claims, currency conversion, and certain withdrawal methods. The figure above covers only the standard US commercial payment rate.
Is this PayPal US calculator official?
No. It's an independent tool from Fee Calculator Hub. We verify rates against PayPal's official US business fees page, which is linked below.
Rates verified October 12, 2026 against PayPal's official pricing page. Fee structures change periodically — always confirm current rates before making pricing decisions.