PayPal Fee Calculator
Calculate exact PayPal merchant fees for domestic and international transactions, including reverse calculations to know how much to invoice.
PayPal Calculator
Rates are based on standard US PayPal checkout fees.
If you invoice/ask for $0
If you need exactly $0
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How to use the PayPal Merchant Fee Calculator
?Frequently Asked Questions
PayPal Fees Explained
When accepting commercial payments online, PayPal applies standard merchant processing rates (typically 3.49% + $0.49 for US domestic commercial transactions). However, fee calculations depend heavily on transfer type:
Friends & Family vs Goods & Services — Which one applies to you?
- Friends & Family: 100% free for domestic transfers funded by a bank account or PayPal balance. Intended solely for personal money transfers between acquaintances. It does NOT include buyer or seller protection.
- Goods & Services: Incurs standard merchant processing fees (e.g., 3.49% + $0.49). Includes full PayPal Buyer and Seller Protection, making it mandatory for all commercial sales and freelance invoicing.
PayPal Withdrawal & Transfer Fees
Once funds clear into your PayPal balance, transferring money to your bank account or debit card follows two pricing options:
| Withdrawal Method | Transfer Time | Fee Structure |
|---|---|---|
| Standard Bank Transfer | 1 – 3 Business Days | FREE ($0.00) |
| Instant Transfer (Bank / Debit Card) | Minutes (<30 mins) | 1.75% of amount ($0.25 min / $25.00 max cap) |
International Payments & Currency Conversion
Cross-border transactions incur an additional 1.50% international payment fee. Furthermore, if the payment involves currency exchange (e.g., receiving Euros into a USD balance), PayPal charges a ~4.00% currency conversion markup above wholesale interbank rates.
Unlike basic calculators that ignore foreign exchange rates, Heptiq accounts for international surcharges so you know the full cost before invoicing global clients.
Frequently Asked Questions
What is the PayPal fee for receiving money?
For standard US domestic commercial transactions, PayPal charges 3.49% + $0.49 per transaction. International commercial transactions incur 4.99% + $0.49 per transaction.
Is there a fee for PayPal friends and family?
No. Domestic Friends & Family transfers funded by your bank account or PayPal balance are 100% free for both sender and recipient. However, commercial Goods & Services transactions incur fees to fund PayPal Buyer and Seller Protection.
How much does PayPal charge to withdraw money?
Standard bank transfers (1–3 business days) are completely free. Instant transfers to a debit card or bank account incur a 1.75% fee, with a $0.25 minimum and a $25 maximum fee cap.
Does PayPal charge extra for international payments?
Yes. Cross-border payments carry an additional 1.50% international surcharge plus a ~4.00% currency conversion fee when converting foreign currencies into your primary balance currency.
How do I calculate how much to invoice to receive a specific amount after fees?
To calculate required invoice amount (A) for a target payout (P), fee rate (r), and fixed fee (f): A = (P + f) / (1 - r). For a $500 target payout on US domestic commercial PayPal (3.49% + $0.49): A = (500 + 0.49) / (1 - 0.0349) = $518.59.
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