PayPal fees in 2026 (US)
| Payment type | Fee |
|---|---|
| Goods & Services (sent to your PayPal) | 2.99% |
| PayPal Checkout, Guest Checkout, invoices | 3.49% + $0.49 |
| Pay with Venmo | 3.49% + $0.49 |
| Standard credit & debit cards | 2.99% + $0.49 |
| Advanced credit & debit cards | 2.89% + $0.29 |
| QR code payments | 2.29% + $0.09 |
| Micropayments | 4.99% + $0.09 |
| International payments | add 1.5% |
Personal payments between friends and family in the US are free when funded by a PayPal balance or bank account — but they carry no buyer or seller protection, so never use them for sales.
How to receive an exact amount
Switch the calculator to “Price for a target” and enter the amount you want to end up with. It works out the smallest amount to request so that, after PayPal’s percentage and fixed fee, you receive at least that much. Simply adding 2.99% is not enough because the fee is charged on the larger amount too.
Questions sellers ask
How much does PayPal charge for Goods and Services?
In the US, receiving a Goods & Services payment costs 2.99% of the amount with no fixed fee. A $100 payment leaves you $97.01.
How much is the PayPal fee on $100?
It depends on how you are paid: $2.99 for Goods & Services, $3.98 for PayPal Checkout or an invoice (3.49% + $0.49), and $5.48 if the checkout payment comes from abroad.
Who pays the PayPal fee, the buyer or the seller?
The person receiving a commercial payment — the seller — pays the fee. To pass it on, raise your price using the target mode above.
Source: PayPal official fee page, checked October 20, 2026.