PayPal Here Fee Calculator — United States
PayPal Here in-person card-present rate. Requires a PayPal card reader. Swiped/tapped transactions are cheaper than manually keyed ones.
Country: United States
Effective rate: 2.31%
PayPal Here fees at a glance
| Percentage fee | 2.29% |
|---|---|
| Fixed fee | $0.09 |
| Total fee on a $500 transaction | $11.54 |
| You receive | $488.46 |
Worked example
On a $500 sale, PayPal Here charges $11.54 in fees, and you receive $488.46.
How this fee is calculated
PayPal Here charges 2.29% of the transaction amount plus a flat fixed fee of $0.09 per successful charge. Adjust the amount above to see the exact split.
What affects this fee
- Card-present (swiped/tapped) is cheaper than manually keyed — this calculator shows the swiped rate
- International cards add a 1.5% cross-border surcharge
- Monthly fee waived when processing over a threshold — otherwise $0/month anyway
- International or cross-border transactions typically carry an additional surcharge
- Currency conversion adds a separate conversion cost where applicable
- Disputes and chargebacks carry their own separate fees, not shown here
How PayPal Here compares in United States
On the same $500 transaction:
Frequently asked questions
What is the PayPal Here in-person rate in the US?
PayPal Here's card-present (tap/swipe) rate is 2.29% + $0.09, charged when you accept in-person payments with a PayPal card reader.
Is manually keyed card entry cheaper with PayPal Here?
No. Manually keyed (keyed-in) payments cost more than the swipe/tap rate shown here. Card-present is the most affordable way to accept PayPal Here payments.
Do I need a PayPal card reader for PayPal Here?
Yes. PayPal Here requires a compatible PayPal card reader (such as the Chip & Tap Reader) to take in-person card payments at the rate shown here.
Does PayPal Here charge for international cards?
Yes. International cards add a cross-border surcharge on top of the 2.29% card-present rate shown here.
Is this PayPal Here calculator affiliated with PayPal?
No. It's an independent tool from Fee Calculator Hub referencing PayPal's official in-person pricing.
Rates verified September 1, 2026 against PayPal Here's official pricing page. Fee structures change periodically — always confirm current rates before making pricing decisions.