PayPal Fee Calculator — Goods & Services, QR, Reverse

How to use

1. Pick goods & services or QR — the editable presets fill in.
2. Toggle international and/or FX if they apply to the payment.
3. Enter an amount for the fee breakdown and net payout.
4. Use reverse mode or the monthly projection as needed.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

PayPal's published US rates — 3.49% plus 49 cents for goods and services, 2.89% plus 49 cents for QR-code transactions — come prefilled and fully editable, because micropayment plans, charity rates and fee changes happen. Toggle international to add 1.30% plus a fixed cross-border fee (defaulting to $1.70 as an approximate figure, since the real fixed fee depends on the currency received) and the 4% currency-conversion spread, and every fee line breaks out separately: percentage fee, fixed fee, international add-ons, conversion. Enter an amount for the fee and net payout, or use reverse mode to see the invoice total needed to receive a target amount, and project monthly processing costs from your typical transaction count. Rates are the published US standard, editable for changes — verify against PayPal's current fee page for your account.

FAQ

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