PayPal Fee Calculator Calculate exact PayPal fees for goods, services, international sales, and in-person payments — with...
PayPal Fee Calculator
Calculate exact PayPal fees for goods, services, international sales, and in-person payments — with net payout and break-even analysis.
U.S. Domestic (Goods & Services)**:
- Online: 3.49% + $0.49 per transaction
- In-Person (PayPal Here): 2.29% + $0.49
- Micropayments (≤$10, opt-in): 5.49% + $0.09
International:
- Standard: 4.49% + fixed fee ($0.49–$1.50 depending on country)
- Currency Conversion: +3.0%** fee on top of wholesale rate
Example: $100 sale to Canada: • 3.49% + $0.49 = $3.98 • CAD conversion: +3% = $3.00 → **Total fee = $6.98** (6.98% effective)
⚠️ **Friends & Family (F&F) has NO buyer or seller protection**:
- Chargebacks are not allowed — but so are no refunds, disputes, or fraud claims
- Sellers can’t prove delivery or service — no case system
- PayPal may reverse F&F payments if used for goods/services (policy violation)
✅ Use F&F only for**:
- Gifts to family
- Splitting dinner bills with friends
- Personal reimbursements
❌ Never use F&F for**:
- Etsy, eBay, or freelance work
- “I’ll send F&F to avoid fees” — buyers increasingly report this as fraud
PayPal’s **Micropayments Pricing** saves money for low-ticket items:
| Transaction | Standard Fee | Micropayments | Savings |
|---|---|---|---|
| $5.00 | $0.66 (13.2%) | $0.36 (7.3%) | $0.30 |
| $10.00 | $0.84 (8.4%) | $0.64 (6.4%) | $0.20 |
| $20.00 | $1.19 (5.9%) | $1.19 (5.9%) | $0.00 |
✅ Opt-in if**:
- Avg. sale ≤ $10
- High volume (1,000+ sales/mo)
- Digital goods (low overhead)
⚠️ Note**: You must apply via PayPal Support — not self-serve.
➡️ Standard
For online sales — set buyer location and currency to see true fees.
➡️ Friends & Family
Compare F&F (no fee) vs. G&S (protected) — include risk warning.
➡️ PayPal Here
In-person card swipes — lower rate than online.
➡️ Marketplace
For platforms (e.g., Shopify, WooCommerce) — PayPal charges 2.59% + $0.49.
You’ll get:
- Exact fee amount
- Net payout after fees
- Break-even price (to cover fees)
- Pie chart: % fee vs. fixed fee
Note: Fees shown are for PayPal only — exclude VAT, GST, or sales tax.