PayPal Fee & Invoice Net Calculator

Calculate PayPal commercial merchant fees, international rates, QR payments, micropayments, and reverse invoicing amounts.

Domestic Commercial

2.99% + $0.49 USD

International Rate

4.49% + $0.49 USD

Net Deposit

Actual payout received

Reverse Invoicing

Add fees to invoice total

Net Payout

$96.52

PayPal Fee Deducted

$3.48

Effective Fee Rate

3.48%

Gross Charge / Invoice

$100.00

Net Payout to Seller

$96.52

Fee Rate Applied

2.99%

For a payment of $100.00, PayPal deducts $3.48. Net bank payout: $96.52.

Complete PayPal Merchant Fee Guide for 2026

PayPal is one of the world's oldest and most trusted payment gateways, utilized by millions of online merchants, freelancers, and small businesses. Understanding PayPal fee rules helps you set fair prices and avoid unexpected income losses.

PayPal Rate Comparison Table

Transaction CategoryPercentage RateFixed Fee
US Commercial (Standard)2.99%$0.49 USD
International Commercial4.49%$0.49 USD
QR Code ($10.01+)1.90%$0.10 USD
Micropayments (<$10)5.00%$0.05 USD

Reverse PayPal Fee Calculation

If you send an invoice to a client and want to receive exactly $500.00 net, charging $500.00 will leave you with only $484.56 after PayPal's 2.99% + $0.49 deduction. Using Reverse calculation, you should request $515.92 to land exactly on your $500.00 target.

Official References

  • Official PayPal Merchant Rates Directory (PayPal Inc.)
  • PayPal User Agreement & Merchant Invoicing Rules

Frequently Asked Questions

What are PayPal's merchant fee rates in 2026?
For US commercial transactions (Invoicing, Checkout, PayPal button), PayPal charges 2.99% + $0.49 USD per transaction. International transactions carry a rate of 4.49% + $0.49 USD.
How do I ask a client to cover PayPal fees (Reverse Fee Invoicing)?
To receive your full target amount (e.g. $100.00), you must add PayPal's fee to the invoice total. Using the formula `Request Amount = (Target Net + $0.49) ÷ (1 - 0.0299)`, asking for $103.59 ensures you net exactly $100.00 after PayPal deducts its 2.99% + $0.49 fee.
What is PayPal's fee for QR Code payments?
For transactions of $10.01 USD and above completed via PayPal QR Code, the fee is 1.90% + $0.10 USD. For QR transactions of $10.00 and under, the rate is 2.40% + $0.05 USD.
What is PayPal's Micropayment rate?
If your average order value is under $10.00 (e.g. digital downloads, tips, or small items), applying for PayPal Micropayments lowers fixed costs to 5.00% + $0.05 USD per transaction.

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