Question 1

How much does PayPal charge per transaction?

Accepted Answer

For US domestic Goods & Services transactions, PayPal charges 3.49% + $0.49 as of 2025. International transactions have an additional 1.5% currency conversion fee. Friends & Family transfers are usually free when paid from a PayPal balance or bank account, but cost 3.5% when paid by card.

Question 2

How do I calculate PayPal fees?

Accepted Answer

Enter the amount, select the transaction type (Goods & Services, Friends & Family, International, or Donations) and the country. The calculator instantly shows the fee deducted, what the buyer pays, and the amount you receive. You can also enter the amount you want to receive and the tool will reverse-calculate the price to charge the buyer.

Question 3

Who pays the PayPal fee — buyer or seller?

Accepted Answer

For Goods & Services, the seller pays the fee — it's deducted automatically from the payment before the funds reach your account. For Friends & Family, the buyer pays only when using a credit/debit card, and the recipient receives the full amount. You can also choose to pass the fee to the buyer in some integrations.

Question 4

Is this calculator up to date with 2025-2026 PayPal rates?

Accepted Answer

Yes. The default rates reflect PayPal's current 2025 fee schedule for US accounts. The international fee assumes standard cross-border transactions. Always verify final fees on the official PayPal website before invoicing customers.

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