PayPal Fee & Reverse Invoice Calculator

Calculate PayPal merchant fees, international transaction costs, micropayments, QR code rates, and exact reverse invoice request amounts.

Payment & Transaction Parameters

Common Invoice Presets
$
Net Cash Received
$96.523.48% Fee
Gross $100.00

PayPal Fee

$3.48

Effective Rate

3.48%

Gross Charge

$100.00

Base Tier

2.99%

Invoicing Recommendation

Charging $100.00 yields $96.52 in take-home funds after PayPal takes $3.48.

Merchant Privacy Guaranteed

Payment numbers and invoice values are calculated client-side in browser memory.

PayPal Merchant Processing & Reverse Invoicing Formulas

PayPal fees combine a variable percentage cut with a fixed per-transaction fee schedule:

1. Forward Net Payout Formula
Net Payout = Gross - [ (Gross × Rate_%) + Fixed Fee ]
2. Reverse Invoicing Formula (Ask Client to Cover Fees)
Request Amount =
Target Net Cash + Fixed Fee1 - (Rate_% / 100)
Step-by-Step Processing Breakdown
Step 1: Determine Transaction Mode & Tier Rates
Mode: FORWARD | Applied rate: 2.99% + fixed fee.
Step 2: Calculate PayPal Deducted Fee
Fee deduction = $3.48 (3.48% effective).
Step 3: Final Financial Settlement
Net Payout=$96.52

PayPal Merchant Rate Schedule (2026)

Transaction TypePercentage FeeFixed 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

Frequently Asked Questions

What are PayPal's commercial merchant fee rates in 2026?
For standard US domestic commercial transactions (Invoicing, Checkout buttons, PayPal payments), the rate is 2.99% + $0.49 USD per transaction. International cross-border transactions incur a rate of 4.49% + $0.49 USD.
What is Reverse Fee Invoicing and how does it protect my income?
Reverse fee calculation determines the exact amount to invoice a client so that after PayPal deducts its percentage and fixed fee, you receive 100% of your target net earnings.
What is PayPal's QR Code payment fee rate?
For in-person transactions above $10.00 USD paid via PayPal QR Code, the fee is 1.90% + $0.10 USD. For transactions $10.00 and under, the fee is 2.40% + $0.05 USD.
When should I use PayPal Micropayments?
If your typical transactions are under $10.00 (e.g. digital asset downloads, micro-donations), applying for PayPal Micropayments (5.00% + $0.05 USD) significantly reduces fixed fee overhead compared to standard $0.49 per-transaction fees.

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