PayPal Fees Calculator (2026) - Calculate Merchant Deductions & Net Payout
Calculate PayPal standard commercial checkout, online transaction charges, and reverse fees to know exactly what to charge to receive a specific amount.
Cash directly into your bank after all platform cuts & shipping.
Paying too much for PayPal cross-border fees?
Wise Business offers mid-market exchange rates and up to 5x lower transaction costs for international freelancer and merchant payouts.
How PayPal Selling Fees Work in 2026
Selling on PayPal requires a clear understanding of the fee breakdown so you avoid selling at a loss. Unlike basic calculators that only deduct a single flat percentage, this calculator accounts for category-specific rates, fixed transaction fees ($0.49 per order), shipping costs, and optional ad promotion rates.
Standard Percentage
2.99%
Deducted from the gross transaction value.
Fixed Order Charge
$0.49
Flat fee per checkout transaction.
Break-Even Protection
Dynamic
Calculates your floor price to guarantee zero loss.
Top 3 Tips to Minimize Your PayPal Fees:
- Bundle items together: Because PayPal charges a fixed per-order fee ($0.49), selling multi-packs or bundled lots reduces your effective fee percentage.
- Audit category classification: Ensure your product isn't listed under a higher fee tier by mistake. Switching to the precise niche category can save up to 4%–5% on final value fees.
- Track shipping costs accurately: Marketplace fees apply to shipping charges paid by the buyer. Use discounted commercial shipping rates to protect your net take-home margin.
Frequently Asked Questions About PayPal Fees
Key answers to help you navigate seller policies, tax deductions, and fee structures in 2026.
What is PayPal’s standard merchant fee in the US?
PayPal charges 2.99% + $0.49 for standard online card transactions and digital checkout, or 3.49% + $0.49 for invoices and digital requests.
How much does PayPal charge for international transfers?
PayPal adds a 1.50% international transaction fee on top of standard processing, plus a 3% to 4% currency conversion spread.
How do I calculate what to charge so I receive an exact amount?
Use our Reverse Calculator toggle! The formula is: (Desired Amount + $0.49) / (1 - 0.0299).
Compare Other Marketplace Fees
Cross-list your inventory? Calculate exact payouts across other platforms.
eBay Fee Calculator
13.25% + $0.30
PayPal Goods & Services Fee Calculator
2.99% + $0.49
Stripe Fees Calculator
2.9% + $0.30
Square Fee Calculator
2.6% + $0.10
TikTok Shop Fee Calculator
6% + $0.30
Vrbo Fee Calculator
8% + $0.00
Depop Fee Calculator
3.3% + $0.45
Etsy Fee Calculator
9.5% + $0.45
Mercari Fee Calculator
2.9% + $0.50
Poshmark Fee Calculator
20% + $0.00
StockX Fee Calculator
12% + $0.00