PayPal Fee Calculator
Find out what PayPal deducts and what you keep. Defaults to the US PayPal Checkout rate — switch to 2.99% for standard card payments or edit for your region.
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Defaults reflect PayPal's US commercial rate for PayPal Checkout (3.49% + $0.49); standard credit/debit card payments are 2.99% + $0.49, per PayPal's US business fee schedule (last updated May 2026). International transactions add ~1.5%. Edit the fields for your exact rate.
Understanding PayPal Fees
PayPal Checkout vs standard cards
PayPal charges different rates by product: PayPal Checkout (the buttons) is 3.49% + $0.49 in the US, while accepting standard credit/debit cards through PayPal is 2.99% + $0.49. Choose the rate that matches how you actually get paid.
The fixed-fee effect
Like all processors, PayPal adds a fixed per-transaction fee. On a $10 sale that $0.49 alone is nearly 5% — so low-ticket sellers feel PayPal fees much more than high-ticket sellers.
Fees and competitive pricing
Every fee you pay is margin you cannot use to compete on price. Understanding your net-of-fees revenue tells you how low you can really go. Price Patrol monitors competitors so you compete on price intelligently, not blindly.
Protect Margin From Fees and Price Wars
Price Patrol shows where competitors are priced so you can stay competitive without dropping below your true, fee-adjusted floor.
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