PayPal Business Fees & Seller Fees Calculator (2026) — Merchant Rates (2026)

Quick Answer: PayPal Business Fees & Seller Fees Calculator (2026) — Merchant Rates

PayPal is one of the most widely recognized payment methods in e-commerce, offering trusted buyer checkout. In 2026, PayPal charges 3.49% + $0.49 for standard PayPal digital wallet transactions and 2.99% + $0.49 for standard credit/debit card checkouts.

Fee Structure & Formula

Total PayPal Fees = (Gross Amount × 3.49%) + $0.49 + (International ? Gross Amount × 1.5% : 0) + (Currency Conversion ? Gross Amount × 3.0% : 0)

Frequently Asked Questions

How much does PayPal Goods and Services charge?

PayPal Goods and Services charges 3.49% + $0.49 per transaction for commercial checkouts and invoicing (and 2.99% + $0.49 for unbranded card processing). International sales include an additional 1.50% cross-border fee.

What is a seller fee on PayPal?

A seller fee on PayPal is the transaction fee charged to merchants and sellers when receiving payments for commercial sales. In the US, it is typically 3.49% + $0.49 for digital wallet checkouts or 2.99% + $0.49 for standard card payments, covering gateway processing and seller protection.

How much does PayPal charge per transaction?

For standard domestic sales in the US, PayPal charges 3.49% + $0.49 per transaction for digital checkout and invoicing, or 2.99% + $0.49 for unbranded cards. In-person QR code payments are billed at 1.90% + $0.10, while international transactions incur an additional 1.50% cross-border surcharge.

How much does PayPal charge for credit card processing?

Standard credit and debit cards processed through PayPal's unbranded checkout are charged at 2.99% + $0.49.

What is the PayPal cross-border international fee?

PayPal adds an extra 1.50% fee on all payments originating from international accounts.