PayPal Fee Calculator
US goods & services payments cost 2.99% with no fixed fee — not the old 3.49% + $0.49 most calculators still show. Cross-border adds 1.50%, and currency conversion adds a 3–4% spread you control by entering your own amounts.
| Fee line | Amount |
|---|---|
| Goods & services fee 2.99% — PayPal: fees (official)Verified 2026-10-20 ↗ | −$2.99 |
| Fees total | −$2.99 |
Found an error? Report it — we re-check against the official page and log the fix.
PayPal Goods & Services rates explained
The current US commercial rate for receiving a goods & services payment is 2.99% with no fixed fee. Many calculators still bill it at the old 3.49% + $0.49 — that structure now belongs to commercial checkout (PayPal Checkout, invoicing, guest checkout). On a $100 payment the difference is real: $2.99 actual vs $3.98 overcharged.
| US fee type | Rate | When it applies | Verified |
|---|---|---|---|
| Goods & services | 2.99% | no fixed fee — sending/receiving for goods & services | 2026-10-20 ↗ |
| Commercial checkout | 3.49% + $0.49 | PayPal Checkout / guest checkout / invoicing | 2026-10-20 ↗ |
| QR code in-store ($10+) | 2.29% + $0.49 | scanned payments | 2026-10-20 ↗ |
| Micropayments (application required) | 4.99% + $0.09 | mostly < $10 transactions | 2026-10-20 ↗ |
International payments: the +1.50% and the spread
A cross-border payment adds +1.50% on top of the domestic rate. If the money also arrives in a different currency, PayPal's conversion adds a spread: 4.00% when the payer-side of a goods & services payment is in another currency, 3.00% for other conversions. This calculator applies the percentages to the amount you enter — it never guesses a live exchange rate.
| International add-on | Rate | Base | Verified |
|---|---|---|---|
| Cross-border surcharge | +1.50% | the payment amount | 2026-10-20 ↗ |
| Currency conversion — payer-side G&S in another currency | 4.00% | converted amount | 2026-10-18 ↗ |
| Currency conversion — all other transactions | 3.00% | converted amount | 2026-10-18 ↗ |
Goods & services vs Friends & Family
Friends & family has no seller fee — and no seller protection. Buyer purchase protection exists only on goods & services payments, and asking buyers to use F&F for a sale violates PayPal's terms and can get accounts limited. Use F&F only for actual gifts; for anything you sold, the 2.99% is the cost of being covered.
Selling on eBay and taking PayPal?
Since eBay managed payments, an eBay order is charged one final value fee that already includes payment processing — PayPal fees only apply to money you receive off eBay. Stacking both on the same sale double-counts. Our bridge calculator shows both stacks side by side so you can see which one a given payment actually hits. Selling on eBay? Both stacks →
Fees in other countries
These are US rates. UK commercial receipt is 2.9% + £0.30 (cross-border +1.29% EEA / +1.99% other, FX 3%); Australia is 2.90% + A$0.30 (cross-border +1.00%, FX 4% payer-side / 3% other). Selling on eBay in those markets? See the UK and Australia calculators. For India, Canada, Germany or euro accounts we have not verified an official national fee page, so we publish no numbers for them — an unverified rate is worse than none.
FAQ
What is PayPal's goods and services fee?
2.99% of the payment in the US, with no fixed fee, verified against PayPal's official fees page. Commercial checkout is a different line: 3.49% + $0.49.
How much is PayPal's international fee?
Domestic rate plus 1.50% for cross-border payments. If currency conversion happens on top, add the 4.00% (payer-side goods & services) or 3.00% spread to the converted amount.
Does PayPal charge extra for international transactions?
Yes — a 1.50% cross-border surcharge on the payment amount, and a separate 3–4% spread if PayPal performs the currency conversion.
Who pays the goods and services fee?
The seller (receiver). The buyer sees no separate fee on a goods & services payment; buyers may pay their own currency-conversion cost on their side.
Is this PayPal fee calculator free?
Yes — free, no account, and the math runs entirely in your browser.