Is Goods & Services the same as PayPal Checkout?
No. Send/Receive Money for Goods and Services is a separate payment category. PayPal Checkout is the PayPal button or website checkout flow, with its own rate.
PayPal Fee Calculator
Estimate PayPal fees and net payout, or calculate what to charge to receive a target amount.
Your numbers
Rates shown are for US PayPal accounts receiving USD. Currency-conversion fees are not included.
On custom pricing? Enter the complete percentage, fixed fee, and optional cap.
Enter a whole number, at least 1.
Result
See the processing fee and the amount you receive.
Enter your values to see the result.
Independent calculator. Not affiliated with or endorsed by PayPal.
How PayPal fees work
The payment category matters. Goods & Services, PayPal Checkout, and Standard Credit/Debit Card payments have distinct US rates.
| Transaction type | Rate |
|---|---|
| Goods & Services (Send/Receive Money) | 2.99% |
| PayPal Checkout | 3.49% + $0.49 |
| Standard Credit/Debit Card | 2.99% + $0.49 |
Rates shown are for US PayPal accounts receiving USD. Currency-conversion fees are not included.
What to charge to receive $1,000.00
Using the domestic Goods & Services (Send/Receive Money) rate of 2.99%, charge $1,030.82. The estimated fee is $30.82, leaving $1,000.00.
The uncapped calculation is (desired net + fixed fee) ÷ (1 − percentage ÷ 100). Results use cent rounding and reconcile exactly. This is an estimate, not a guarantee that every PayPal settlement will match to the cent.
Frequently asked questions
Does every PayPal payment have a fixed fee?
No. The Goods & Services category shown here has no fixed fee. Checkout and Standard Credit/Debit Card payments have a fixed fee for USD receipts, as shown in the rate table.
When does the international surcharge apply?
It applies to commercial transactions between different PayPal markets. It is not limited to card payments, and it does not include currency-conversion fees.
How does a custom rate interact with international fees?
Your custom rate replaces the complete rate. Enabling it turns international off. Turning custom off leaves international off until you explicitly enable it again.
What is sent to an invoice?
Only the charge amount is sent. Your fee and net payout are excluded.