100,000+ US sellers
4.9/5 (5,200+ reviews)
May 2026 updated rates
Goods & Services + Instant Transfer

💰 PayPal Fee Calculator 2026: How Much Does PayPal Charge? Goods & Services, Instant Transfer & International

⭐ Looking for exact PayPal fees? Our calculator tells you exactly how much PayPal charges for Goods & Services, Instant Transfer, International, Micropayments, and more. Used by 100,000+ US sellers and freelancers.

🔥 Popular calculations: How much does PayPal charge for $100? → $3.48 fee, you receive $96.52. Instant transfer fee? → 1.5% ($1.50 on $100). International fee? → 4.99% + $0.49.

💰 PAYPAL FEE CALCULATOR 2026 - How Much Does PayPal Charge?
❓ Still Asking "How Much Does PayPal Charge?"

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2026 PayPal Fee Rates - Complete Guide (Updated May 2026)

Transaction TypePercentage FeeFixed FeeExample ($100)
Goods & Services2.99%$0.49$3.48
⚡ Instant Transfer to Bank1.50%$0$1.50
International4.99%$0.49$5.48
Micropayment (under $10)3.49%$0.09$0.26 (on $5)
QR Code (In-person)1.90%$0.10$2.00
Business/Invoice (Bank Transfer)1.99%$0.49$2.48
🔄 Currency Conversion3.50%$0$3.50

📊 2026 PayPal Fee Examples (May 2026)

How much does PayPal charge for $100? $100 × 2.99% + $0.49 = $3.48 fee, you receive $96.52

How much does PayPal charge for $500? $500 × 2.99% + $0.49 = $15.44 fee, you receive $484.56

How much does PayPal charge for $1000? $1000 × 2.99% + $0.49 = $30.39 fee, you receive $969.61

How much does PayPal charge for international $100? $100 × 4.99% + $0.49 = $5.48 fee, you receive $94.52

How much does PayPal charge for instant transfer $100? Add 1.5% = $1.50 extra fee

❓ Frequently Asked Questions About PayPal Fees

How much does PayPal charge for Goods & Services in 2026?
For Goods & Services transactions, PayPal charges 2.99% + $0.49 per transaction. For a $100 sale, fee = $3.48, you receive $96.52. This is the standard rate for most business transactions.
What is PayPal's instant transfer fee percentage 2026?
Instant transfer to bank account costs 1.5% of the transfer amount (minimum $0.25, maximum $15). For a $100 transfer, fee = $1.50. Standard transfer (1-3 days) is free.
How much does PayPal charge for international transactions?
International transactions: 4.99% + $0.49 fixed fee. If currency conversion is needed, add 3.5% above exchange rate. For $100 international: $5.48 fee + $3.50 conversion = $8.98 total.
What are PayPal's business fees for freelancers 2026?
PayPal business accounts have no monthly fee. Transaction fees are 2.99% + $0.49 for domestic sales. High-volume sellers ($10k+/month) can negotiate lower rates.
Does PayPal charge a fee for Friends & Family?
Friends & Family transfers are FREE when funded from PayPal balance or bank account. If funded by credit/debit card, fee is 2.99% + $0.49.
Are PayPal fees tax deductible?
Yes, PayPal fees are tax deductible business expenses for freelancers, merchants, and businesses. Track all fees and include them when filing Schedule C.
What are PayPal merchant fees for US businesses 2026?
Standard PayPal merchant fees: 2.99% + $0.49 per transaction. For high-volume merchants (over $10,000/month), you may qualify for Merchant Rate: 2.49% + $0.49.
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⚠️ Fee Disclaimer (Updated May 9, 2026)

Estimate Only: This PayPal fee calculator provides estimates based on publicly available 2026 fee schedules. Actual fees may vary based on your account type, transaction volume, and special merchant agreements.

Not Financial Advice: This is for informational purposes only. Consult with PayPal directly for your exact fees.

Last Update: May 9, 2026 | Rates: Goods & Services 2.99% + $0.49 | Instant Transfer 1.5% | International 4.99% + $0.49

Next Review: June 9, 2026