PayPal Transaction Fee & Payout Calculator
Compute PayPal merchant transaction fees and reverse-calculate invoice totals.
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How to Use the PayPal Fee Calculator: Merchant & Invoicing Fees 2026
- 1Choose your calculation mode: calculate fee on an amount sent, or calculate how much to invoice to receive a target payout.
- 2Enter the monetary transaction amount.
- 3Select your PayPal payment category (Domestic Standard, Invoicing, International, or QR code).
- 4Review your net received payout, PayPal transaction fee, and effective rate percentage.
Formula & How It Works
PayPal Fee & Invoice Formulas
Forward fee deduction and backward gross-up invoice equations.
Worked Examples
$120 Domestic Payment Received
Input: Amount: $120.00, Domestic Goods & Services (2.99% + $0.49)
Explanation: 2.99% of $120 is $3.59 plus $0.49 fixed fee equals $4.08, leaving $115.92 in your account.
Frequently Asked Questions
What is the fee for sending money via PayPal Friends and Family?▼
Sending money to domestic friends and family using your PayPal balance or linked bank account is completely free of charge.
Why does PayPal charge fees on refunded transactions?▼
Under PayPal's merchant policy, when you issue a full or partial refund to a buyer, the fixed fee portion ($0.49) is not returned.
How do I calculate what to bill a client so I receive a clean $500?▼
Using our reverse invoice mode for invoicing (3.49% + $0.49), divide $500.49 by (1 - 0.0349) = $518.59 total invoice amount.
What are PayPal chargeback fees?▼
If a buyer files a formal credit card chargeback, PayPal assesses a non-refundable chargeback fee of $20 per disputed transaction unless covered by Seller Protection.
Quick Reference & Conversion Table
| Transaction Amount | Domestic (2.99% + $0.49) | Invoicing (3.49% + $0.49) | International (4.49% + $0.49) |
|---|---|---|---|
| $25.00 | $1.24 | $1.36 | $1.61 |
| $50.00 | $1.99 | $2.24 | $2.74 |
| $100.00 | $3.48 | $3.98 | $4.98 |
| $250.00 | $7.97 | $9.22 | $11.72 |
⚠️ Common Pitfalls to Avoid
- •Attempting to gross up an invoice by simply adding the forward fee, which leaves you short of your desired net payout.
- •Forgetting the 1.50% international payment surcharge on transactions from non-US accounts.
💡 Practical Real-World Uses
- •Drafting client invoices to ensure project milestones yield exact net amounts after processing.
- •Pricing digital products and software subscriptions sold across global payment gateways.
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