Calculate PayPal fees for any transaction type and instantly find how much to charge to receive an exact amount. Updated with 2025 PayPal fee rates. Free, no signup.
PayPal invoicing uses 3.49% + $0.49 for US transactions — the same as standard checkout. International invoices add a 1.5% cross-border fee. Always factor this into your freelance or service quotes.
| Transaction Type | Rate | Fixed Fee |
|---|---|---|
| Standard Checkout (US) | 3.49% | $0.49 |
| Credit/Debit Card | 2.99% | $0.49 |
| International / Cross-border | 4.99% | $0.49 |
| QR Code Transactions | 2.29% | $0.09 |
| Zettle / In-Store | 1.89% | $0.10 |
| Friends & Family (Send Money) | 0% | $0.00 |
PayPal's fee structure has changed significantly in recent years. The standard 2.9% + $0.30 rate that many sellers memorized was replaced in 2023 with a tiered system. The most common rate for small and medium sellers is now 3.49% + $0.49 for standard checkout — which is 59 cents more than the old rate per transaction, adding up quickly at volume.
PayPal's Goods & Services option provides buyer and seller protection. Friends & Family offers neither. Asking customers to use F&F to avoid fees is against PayPal's Terms of Service and can result in account suspension. The fee is a cost of doing business — price it in.