Work out the PayPal fee on a payment, or the amount to ask for so you receive what you want.
PayPal charges a percentage of the payment plus a fixed fee, so a 100.00 USD payment through PayPal Checkout costs 3.49% + 0.49 = 3.98 USD and leaves you 96.02 USD. The page uses the rates PayPal publishes for US-market accounts receiving commercial payments: 3.49% for Checkout, Guest Checkout and Venmo, 2.99% for standard card payments and 4.99% for Pay Later options. The fixed fee depends on the currency you receive, from 0.49 USD and 0.39 EUR to 49 JPY, and the page fills in the right one from the 24 currencies in PayPal's table. PayPal's published fee page does not say how it rounds, so this page rounds the fee to the currency's smallest unit with halves rounded up, which is an assumption and not a PayPal rule. On 50.00 USD of card payment the percentage part is 1.495, so the fee is 1.495 + 0.49 = 1.985, shown as 1.99 here; a real transaction record may differ by one cent. PayPal lists JPY, HUF and TWD as currencies without decimals, so for those the page takes whole amounts only and rounds the fee to a whole unit: a 10,000 JPY payment costs 3.49% of 10,000 + 49 = 398 JPY.
To receive an exact sum, the fee has to be added before it is taken, which is not the same as adding 3.49% to the price. If you want 100.00 USD after fees, the amount to ask for is (100 + 0.49) ÷ (1 − 0.0349) = 104.1239, and the page returns the smallest amount in the currency's smallest unit (cents for USD) that leaves at least 100.00. That is 104.12 USD: the fee on it is 4.12 and you receive 100.00. Adding 3.49% and 0.49 to 100 would give 103.98, which leaves only 99.86. The Check line in the box under the result repeats the fee on the answer so you can see it lands on your target.
PayPal adds 1.50 percentage points for commercial payments received from an international sender, which is a sender registered in a different market from yours. Tick the international box and Checkout becomes 3.49% + 1.50% = 4.99% + 0.49, so a 100.00 USD payment costs 5.48 USD and leaves 94.52 USD, and to receive 100.00 you would ask for 105.77. The page does not know where the sender is, so the choice is yours. Currency conversion fees are separate and are not included, and neither are chargebacks, disputes or any fee for withdrawing money.
The rates were taken from PayPal's US merchant fees page, which showed Last Updated: October 1, 2026 when they were read on 15 October 2026. PayPal changes its fees, and accounts in other countries, high-volume sellers and negotiated agreements can pay different rates. For those, choose My own rate and type your percent and fixed fee, which are used exactly as typed. The page does not cover the Send/Receive Money rate for friends and family, QR code payments or micropayment pricing. The result is an estimate, so check the fee page for your own account before you price anything. Nothing you type is stored or sent.
For a domestic PayPal Checkout payment of 100.00 USD the fee is 3.49% + 0.49 = 3.98 USD, so you receive 96.02 USD. A card payment at 2.99% costs 3.48 USD and a Pay Later payment at 4.99% costs 5.48 USD.
Ask for 104.12 USD. The formula is (100 + 0.49) ÷ (1 − 0.0349) = 104.1239, and the tool finds the smallest cent amount that still leaves 100.00. On 104.12 the fee is 4.12 USD. Choose Find what to ask for and type 100 to see it.
PayPal takes the percentage from the larger total, not from your price. Adding 3.49% and 0.49 to 100 gives 103.98, but the fee on 103.98 is 4.12, so you receive 99.86. The division by (1 − rate) corrects for that.
PayPal adds 1.50% to the domestic percentage for commercial payments from international senders. For Checkout that makes 4.99% + the fixed fee, which is 5.48 USD on a 100.00 USD payment. Tick the international box to include it.
PayPal publishes a fixed fee for each currency received: 0.49 USD, 0.39 EUR, 0.39 GBP, 0.59 CAD and 49 JPY, among 24 listed. Pick the currency and the page uses that fee. Choose My own rate to type a different one.
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