PayPal Fee Calculator

When you receive invoice payments through PayPal, you’re charged transaction fees. Use this calculator to easily determine PayPal’s fee and what you should charge to account for it.

Enter an amount to calculate the applicable PayPal fees
Applicable PayPal Fees
PayPal fee
You will receive
You should ask for
The amounts are calculated according to PayPal fees of

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What is a PayPal Fee Calculator?

When using PayPal to invoice your clients and collect payment, certain fees will accrue based on the payment type, currency, and payment method. It can be difficult to accurately calculate these fees before sending an invoice. Using our PayPal fee calculator, you can determine how much to bill your client to account for the transactions fees, so you don’t end up footing the bill.

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How Much Are PayPal Fees?

The most common PayPal fee is 3.49% + $0.49 per transaction, which this tool can be used to calculate with ease. For other PayPal fees, refer to the following table (current as of July 18, 2023):


Payment Type


Fixed Fee (USD*)

Standard Invoicing 3.49% $0.49
PayPal Checkout/Guest Checkout 3.49% $0.49
QR Code ($10.00 and below) 2.40% $0.05
QR Code ($10.01 and above) 1.90% $0.10
QR Code (via third party integrator) 2.29% $0.09
PayPal Goods and Services Fee (via a personal account) 2.99% No fixed fee
Credit or Debit Card 2.99% $0.49
Other Commercial Transactions 3.49% $0.49

*Visit PayPal’s merchant fees guide to see fixed fees in other currencies.

For international transactions, an additional percentage-based fee of 1.50% is charged for all commercial transactions on top of the standard PayPal fee from the table above.

How to Use Lili’s PayPal Fee Calculator

Lili’s PayPal Fee Calculator is very simple to use! Follow these steps to feel more prepared to handle the fees when sending an invoice through PayPal:

  1. Enter the invoice amount
  2. Select United States Domestic or International from the drop-down menu
  3. Selected the Applicable PayPal Fee from the drop-down menu (e.g. ‘2.89% + $0.49 Goods and Services, Donations’)
  4. Click “Calculate”

The total PayPal fees will appear below the calculator, plus the amount you will receive after fees are charged and how much you should ask for to cover the fees.

Bookmark this page to refer back to any time you need to calculate PayPal fees!

How can you reduce PayPal fees?

Percentage fees can really add up—especially for high-value transactions—but there are some things you can do to reduce or avoid PayPal fees altogether:

1. Bill Fees to Your Clients

Per PayPal’s user agreement, you are not permitted to surcharge transaction fees to your clients, but that doesn’t mean you can’t cover the fees on the invoice. If you have an average or common transaction amount you bill clients for, calculate a fixed “service fee” or “processing fee” based on that dollar amount and charge the same fee for every transaction.


2. Mark Fees as Business Deductions

PayPal fees are business expenses, so make sure you’re marking them as write-offs so you don’t have to pay taxes on that portion of your revenue later on.


3. Request Merchant Rates

PayPal accounts in good standing that are invoicing for at least $3,000 each month are eligible for Merchant Rates, which will lower your percentage fee to only 1.90%. If you are bringing in high volumes of money transfers through PayPal, applying for these rates can save you a lot of money.


4. Use Lili Invoicing Software

PayPal isn’t the only way to bill your clients! With Lili’s Invoicing Software, you can create professional invoices integrated with your Lili business checking account, then collect payment via direct deposit or one of our many integrations to avoid PayPal fees altogether.


Get Paid via PayPal with Lili

Easy payment integration

With our seamless payment gateway integrations, your clients can fulfill invoices via any payment method: debit & credit cards, ACH, Venmo, CashApp, checks, and, of course, PayPal.

Send professional invoices

With Lili’s Invoicing Software, you can easily create and send professional custom invoices to your clients that clearly display account details and guide them through the payment process.

One-stop shop for invoicing

Because Lili’s Invoicing Software is housed within the Lili platform, you don’t have to switch between services to manage your invoices and your payments. With Lili, everything is managed in one platform!

Streamline your business and collect payment easily with Lili's Invoicing Software!


How do I calculate PayPal fees?
Why does my business need a PayPal fee calculator?
How do I calculate the amount I should ask for?
How much is the PayPal fee for $100?
How much is PayPal's Goods and Services fee?

Use this formula to easily calculate PayPal fees, regardless of the specific percentage or fixed fee:

(Invoice Total x Percentage Fee)/100 + Fixed Fee

Example 1:

You send a standard invoice to a client for $500.

The fees for a standard invoice are 3.49% of the total amount plus a fixed fee of $0.49, which comes out to $17.94.

After deducting fees, you will earn $482.06.

Example 2:

You charge a client via QR code for a service totaling $65.

The fees for a QR code transaction above $10.01 are 1.90% of the total amount plus a fixed fee of $0.10, which comes out to $1.34.

After deducting fees, you will earn $63.66.