Payments
PayPal Fee Calculator
See exactly what PayPal takes and what lands in your account, or work backward to what you should ask for.
What a personal account pays when a buyer marks a payment as goods and services.
Rates checked November 2026. Edit them if your app shows a different fee.
You receive
$97.01
- Payment
- $100.00
- Fee
- $2.99
- You keep
- $97.01
- Effective rate
- 2.99%
Fee table
| Transaction | Fee | On $100 | On $1,000 |
|---|---|---|---|
| Goods & services (personal) | 2.99% | $2.99 | $29.90 |
| PayPal Checkout (business) | 3.49% + $0.49 | $3.98 | $35.39 |
| International sale | 4.99% + $0.49 | $5.48 | $50.39 |
| Send with a card | 2.9% + $0.30 | $3.20 | $29.30 |
| Instant transfer | 1.75%, min $0.25, max $25.00 | $1.75 | $17.50 |
Compare every app side by side in our PayPal vs Venmo vs Cash App vs Stripe fee guide, or check the Venmo fee calculator.
Questions
How much does PayPal take from $100?
For a goods-and-services payment to a personal account, $2.99, so you keep $97.01. Through PayPal Checkout on a business account, $3.98 (3.49% + $0.49), so you keep $96.02.
Is PayPal friends and family free?
Yes, when the sender pays from their PayPal balance or bank account. Funding with a card costs the sender 2.9% + $0.30. Friends and family payments have no purchase protection.
How do I make sure I receive the full amount?
Switch the calculator to 'I want to keep' and enter your target. It shows the amount to request so the fee comes out of the buyer's side.
Are PayPal fees refunded when I refund a buyer?
PayPal keeps the fixed part of the fee and returns the percentage part on most refunds. Check your transaction details for the exact amount.
Sources
Fees change. The fee shown in your app at checkout is the one that applies.