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PayPal Fee Calculator

Calculate exact PayPal fees (3.49% + $0.49). See your net payout on any amount and how much to invoice to avoid losing money to processing costs.

Verified 2026 standard rate

3.49% + $0.49

Payment Processor

⚡ Lowest-Fee Options for $1,000:
PayPal Net Payout:
$0.00
You keep — Fees —
Processing Fee: -$0.00
Invoice this to receive exact amount:
$0.00
VS Wise

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PayPal Fee Schedule Table ($10 to $10,000)

Verified 2026 rate, USD
Invoice Amount PayPal Fee You Receive (Net) Ask For (Zero Fee Loss)
$10 -$0.84 $9.16 $10.87
$25 -$1.36 $23.64 $26.41
$50 -$2.24 $47.76 $52.32
$100 -$3.98 $96.02 $104.12
$250 -$9.21 $240.79 $259.55
$500 -$17.94 $482.06 $518.59
$1000 -$35.39 $964.61 $1036.67
$2500 -$87.74 $2412.26 $2590.91
$5000 -$174.99 $4825.01 $5181.32
$10000 -$349.49 $9650.51 $10362.13

How PayPal Fees Work in 2026

PayPal operates in the Payment Processor sector with a standard transaction rate of 3.49% plus a fixed fee of $0.49 per transaction. For example, on a $100.00 payment, PayPal deducts $3.98, leaving you with a net payout of $96.02. On a $1,000.00 transaction, your net payout is $964.61 after the $35.39 processing fee. If you accept international payments or currency conversions, an additional 1.5% cross-border fee may apply.

The formula (Verified 2026)

Fee
amount × 3.49% + $0.49
International add-on
+1.5% of the amount
Invoice to receive an exact net
(amount + $0.49) ÷ (1 − 3.49%)
Official Rate Reference
PayPal Official Fee Schedule 2026 ↗

Frequently Asked Questions

How much does PayPal charge per transaction in 2026?

The standard PayPal processing fee is 3.49% + $0.49 per domestic transaction. International or currency conversion transactions add roughly 1.5%.

How much is the PayPal fee on $1,000?

For a $1,000 USD payment, PayPal charges $35.39 in standard fees, meaning you receive $964.61 net in your account.

How do I pass PayPal fees to my client?

To receive the exact net amount after PayPal deducts its 3.49% + $0.49 fee, use the Reverse Invoice formula: (Desired Amount + $0.49) / (1 - 0.0349).

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