PayPal 2026 100% In-Browser Privacy

PayPal Fee & Net Payout Calculator

Calculate exact PayPal merchant, invoicing, and international cross-border transaction fees.

PayPal Preset:

100% In-Browser Privacy

Transaction Amount ($ USD)

Percentage Fee (%)

Fixed Fee ($ USD)

International Cross-Border (+1.50%)Applies when buyer account is outside your country

Active Effective Formula: 3.49% + $0.49

If Buyer Sends Exact AmountStandard

PayPal Fee-$3.98(4.0% effective)

Net You Receive$96.02Ready in Balance

Reverse Invoice (To Net Full Amount)

PRO Secret

To receive exact $100.00, charge:$104.12Covers $4.12 fee, leaves exactly $100.00 net

Mathematical Calculation Formula:Fee = (Amount × Rate) + Fixed Fee | Net = Amount - Fee | Reverse = (Target + Fixed) / (1 - Rate)

How to Use This Calculator

1Enter the transaction amount you want to receive or charge.
2Select your payment scenario: Standard Goods & Services (3.49% + $0.49), Invoicing (2.99%), or International (+1.50%).
3View exact deductions, final balance, and the exact reverse amount to invoice to cover all fees.

Key Features & Capabilities

Official 2026 PayPal US merchant rates (3.49% + $0.49) and invoicing rates (2.99% + $0.49).
Reverse fee calculation: Calculates the exact billable amount to net full value.
100% private in-browser computation with zero server logging.

PayPal Commercial Rates (2026)

PayPal Merchant Fee Guide: Goods & Services vs. PayPal Checkout

PayPal remains a dominant checkout option across global e-commerce, but its merchant fee schedule differs markedly from Stripe. Understanding transaction fixed fees, standard checkout rates, and cross-border adjustments is critical for calculating true payout margins.

PayPal 2026 Core Fee Schedule

Payment Method	US Domestic Rate	International Card	Fixed Fee
PayPal Checkout / Invoicing	3.49%	4.99% (+1.50%)	$0.49
Standard Goods & Services (P2P)	2.99%	4.49% (+1.50%)	$0.49
Venmo for Business	1.90%	N/A (US only)	$0.10
Charity / 501(c)(3) Discount	1.99%	3.49% (+1.50%)	$0.49

Compare merchant processing deductions side-by-side with our Stripe Fee Calculator or check invoice gross-ups with our Reverse Invoice Calculator.

Frequently Asked Questions

What are the standard PayPal seller fees in 2026?

For standard US transactions, PayPal charges 3.49% + $0.49 per transaction. For invoices and checkout, the rate is 2.99% + $0.49. International transactions carry an additional 1.50% fee.

How do I avoid losing money to PayPal fees?

Use the reverse calculation feature to invoice your client the gross amount, so that after PayPal deducts its percentage and fixed fee, you receive 100% of your target net.

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