Global Seller Fees
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PayPal Fee Calculator US

Model a United States PayPal sale in USD using the source-scoped rule and limitations displayed on this country page. Inputs stay in your browser and are not sent to a server.

Independent estimate and input privacy

Scope boundary: these tools do not verify bank accounts, IBAN, BIC/SWIFT, SEPA eligibility, payout timing, or bank-transfer charges.

Choose a mode, enter sale details, and review the estimate.

Example scenarios

Choose a sample sale to populate the amount and cost fields.

Platform
USD
USD
USD
USD
USD
Results
PayPal
Amount received
USD 96.02
Total fees
USD 3.98
Net profit
USD 96.02
Profit margin
96.02%
Effective fee rate
3.98%
Operating costs
USD 0.00
Result source details

Fee rule used: PayPal Checkout domestic commercial transaction

Source status: Verified - official source checked.

Reviewed: 2026-08-11

Not included: refunds, disputes, chargebacks, special pricing, Pay Later, QR, APM, micropayments, or currency conversion unless user enters custom fees.

The displayed output follows the selected rule and assumptions above; account, payment, category, currency, dispute, refund, tax, promotion, subscription, or negotiated-pricing differences can change the final charge.

Fee breakdown
RuleTypeAmount
PayPal Checkout domestic commercial transactionpercentage_plus_fixedUSD 3.98
Formula, assumptions, and source
Formula used

PayPal payout mode subtracts the applied PayPal percentage-plus-fixed payment lines from customer payment plus charged shipping; profit also deducts product, fulfillment, and advertising costs.

Assumptions
  • Seller country: United States.
  • Currency received: USD.
  • Standard published PayPal US rates.
  • No refunds, disputes, chargebacks, special pricing, Pay Later, QR, APM, micropayments, or currency conversion unless user enters custom fees.
  • PayPal's official APM table lists Mercado Pago and ShopeePay at 5.99% + fixed fee and groups several other APMs at different rates. These APM-specific rates are outside the default PayPal Checkout estimate.
  • Standard credit and debit card payments are included as a verified alternative rule but are not applied by the default PayPal Checkout estimate.
  • PayPal starts with a domestic United States buyer assumption, so no cross-border or conversion line is added unless you override it.
  • Tax included is disabled.
Verified from official sourceReviewed 2026-08-11PayPal US business fees

United States currency and assumptions

United States PayPal planning separates its percentage-plus-fixed payment-processing rule from shipping, operating costs, and state and local sales-tax or marketplace-collection rules.

USD is used for this PayPal worksheet; international commercial, alternative-payment-method, and currency-conversion charges appear only when a reviewed rule or custom override supplies them.

PayPal US default scope and USD 100 example

The maintained US record covers PayPal Checkout at 3.49% + USD 0.49, standard credit and debit card payments at 2.99% + USD 0.49, and the 1.50% international commercial surcharge under its displayed condition.

For a USD 100.00 domestic PayPal Checkout payment, the estimate is USD 3.98 in fees and USD 96.02 received. Currency conversion, refunds, disputes, Pay Later, alternative methods, and account-specific pricing remain outside that default.

General fee components and calculator-mode guidance remain on the PayPal fee calculator overview. This country page focuses on the maintained US rule, USD example, and exclusions shown here for PayPal.

When to use this calculator

  • Estimate PayPal Checkout or card-style payment fees before pricing an invoice or online sale.
  • Switch to reverse fee mode when a US PayPal sale must leave a specific amount after the displayed fee assumption.
  • Use custom override when your US PayPal statement, buyer location, card type, or currency treatment differs from this page's default.

What is included in this estimate

  • The verified US PayPal Checkout/card seed rules shown on this page.
  • Gross payment, shipping charged, product cost, shipping cost, ad cost, and optional tax input for the US and USD scenario.
  • Estimated amount received, total fees, effective rate, net profit, and reverse-charge result in the page currency.

What is not included

  • Account-specific pricing, unverified international fees, currency conversion, subscriptions, refunds, and disputes unless modeled manually.
  • Official US PayPal statements and any tax, accounting, or legal determination.
  • US payout timing, bank-transfer reachability, IBAN, BIC/SWIFT, and SEPA eligibility checks.

Common mistakes

  • Using one PayPal rate for every checkout, card, international, and account-specific payment scenario.
  • Ignoring currency conversion or buyer-country differences.
  • Treating an estimate as an official platform statement.
  • Mixing tax amounts and platform fees in one line item.

When to use custom fee override

Turn on custom fee override when your United States transaction uses a different percentage, fixed charge, international surcharge, currency conversion charge, manual fee, or account-specific price. The entered rule replaces this page's default estimate in your browser.

United States PayPal page: when no maintained default matches the transaction, manual-rate mode requires values from the official pricing page, dashboard, invoice, or statement.

United States PayPal page: custom override can combine a percentage, fixed amount, international percentage, conversion percentage, and extra manually checked fee.

Source status

United States PayPal page status: verified from an official source, with the reviewed links and scoped assumptions shown below.

Last reviewed date: 2026-08-11

Verified US seed rules from the official PayPal US business fees page, which shows Last Updated July 15, 2026. Rechecked on 2026-08-11: the default PayPal Checkout 3.49% + USD 0.49, standard card 2.99% + USD 0.49, and 1.50% international commercial surcharge rules used here are unchanged. The separate APM table still lists Mercado Pago and ShopeePay at 5.99% + fixed fee. Pay With Crypto changed to 1.5% on August 1, 2026; APM and crypto rates remain outside the default estimate.

Verified from official sourceReviewed 2026-08-11PayPal US business fees

Assumptions

  • United States PayPal assumption: Amounts are shown in USD.
  • United States PayPal assumption: US sales tax is not included as verified platform fee data in this estimate.
  • United States PayPal assumption: Domestic buyer examples assume the buyer country remains United States unless you change it.
  • United States PayPal assumption: Seller country: United States.
  • United States PayPal assumption: Currency received: USD.
  • United States PayPal assumption: Standard published PayPal US rates.
  • United States PayPal assumption: No refunds, disputes, chargebacks, special pricing, Pay Later, QR, APM, micropayments, or currency conversion unless user enters custom fees.
  • United States PayPal assumption: PayPal's official APM table lists Mercado Pago and ShopeePay at 5.99% + fixed fee and groups several other APMs at different rates; These APM-specific rates are outside the default PayPal Checkout estimate.
  • United States PayPal assumption: Standard credit and debit card payments are included as a verified alternative rule but are not applied by the default PayPal Checkout estimate.

FAQ

How are seller fees calculated?

PayPal fees for this United States page are estimated from the gross sale amount, the displayed fixed charge, optional international or conversion charges, and any custom fee amount you enter.

Why can the actual fee differ from this estimate?

PayPal results for United States can differ when account pricing, payment method, buyer location, disputes, refunds, tax handling, subscriptions, promotions, or custom terms change the charge.

Does this calculator include international fees?

International fees are included only when the buyer country differs from the seller country and the selected fee data contains a reviewed international rule.

Does this calculator include currency conversion?

Currency conversion is included only when enabled by country selection and backed by reviewed fee data, or when you enter your own custom fee amount.

Does this calculator include VAT or sales tax?

PayPal US estimates do not treat sales tax as verified platform-fee data. Do not use the result for US tax filing. Confirm sales tax and income reporting with official sources or a qualified professional.

Can I enter my own custom fee rate?

Yes. On the United States page, the PayPal override accepts a percentage, fixed amount, international percentage, conversion percentage, extra manual fee, and note.

Should I use this result for tax filing?

No. Do not use the PayPal estimate for United States tax filing; consult official authorities or a qualified professional for compliance decisions.

Is this PayPal estimate operated by PayPal?

No. This independently maintained PayPal calculator for United States uses the platform name only to identify the modeled fee rule and has no endorsement or sponsorship relationship.

Related calculators

United States PayPal data is maintained for this page; links to other platforms use their verified US pages when no equivalent local default is available.

Written and maintained by Global Seller FeesPage reviewed: 2026-07-17