You receive
$96.02
PayPal's standard US rates for receiving a payment, from PayPal's fee page (last updated November 4, 2026). Currency conversion adds a spread to the exchange rate; a dispute costs $15 and a chargeback $20.
PayPal’s fees for a business account are a percentage fee plus a fixed fee per payment. The standard rate for PayPal Checkout in the US is 3.49% plus a fixed fee of 49¢. On a $100 sale, PayPal keeps $3.98 and $96.02 reaches your PayPal balance. On a $20 sale, the fee is $1.19, almost 6%, because the fixed fee weighs more on small payments.
The fee rate depends on the payment type. Credit and debit card payments through PayPal cost 2.99% plus 49¢, Venmo the same as PayPal Checkout, and PayPal Pay Later 4.99% plus 49¢. The PayPal goods and services fee, for money sent to you for goods and services transactions, is 2.99% with no fixed fee; personal payments between friends and family are a separate type. Domestic transactions are payments where you and the buyer are in the same market; international transactions add a percentage on top.
PayPal’s standard merchant rates for receiving payments, from its business fee page (last updated November 4, 2026). The fixed fee for commercial payments received in US dollars is 49¢; QR code and card-processing products have their own fixed-fee tables.
| Transaction type | PayPal fee |
|---|---|
| PayPal Checkout | 3.49% + 49¢ |
| Credit and debit cards (standard) | 2.99% + 49¢ |
| Advanced credit and debit cards | 2.89% + a fixed fee |
| Pay with Venmo | 3.49% + 49¢ |
| PayPal Pay Later | 4.99% + 49¢ |
| QR code transactions | 2.29% + a fixed fee |
| Virtual Terminal | 3.39% + a fixed fee |
| Goods and services (sent to you) | 2.99% |
| International commercial transactions | + 1.50% |
| Micropayments (on application) | 4.99% + a fixed fee |
| Dispute fee | $15.00, high volume $30.00 |
| Chargeback fee | $20.00 |
| Instant transfer to a bank or card | 1.50% of the amount |
Invoicing uses the same rates: an invoice paid with PayPal Checkout costs 3.49% plus the fixed fee, one paid by card 2.99% plus the fixed fee. Standard withdrawals to a linked bank account are free when no currency conversion is involved. All PayPal business fees are on PayPal’s merchant fees page; this PayPal calculator uses the ones above.
The sale amount the buyer pays, or the net amount you want to receive.
PayPal Checkout, a card, Venmo, Pay Later or goods and services. Tick international if the buyer is outside the US.
The calculator shows PayPal’s fee, the net amount and the fee as a percentage rate of the payment.
When the buyer is in another market, PayPal adds 1.50% to the domestic rate for commercial transactions. A $100 PayPal Checkout payment from abroad costs 3.49% + 1.50% = 4.99%, plus 49¢: $5.48. If PayPal also converts the currency, its exchange rate includes a currency conversion spread of 3.00% for most transactions, or 4.00% when a buyer pays in a currency other than the one the goods are listed in. The spread is in the exchange rate, so the calculator doesn’t add it as a separate fee.
To calculate PayPal fees on a payment amount: multiply by the percentage and add the fixed fee. $100 × 3.49% + $0.49 = $3.98. To work out the sale amount you need for a given net amount, add the fixed fee and divide by one minus the percentage: ($100 + $0.49) ÷ 0.9651 = $104.12. PayPal rounds its fee to the cent.
For a $100 online payment from a US card: PayPal Checkout costs $3.98, PayPal’s standard card processing $3.48, and Stripe $3.20 at 2.9% + 30¢. The Stripe fee calculator shows Stripe’s fees in detail, and the Shopify fee calculator adds Shopify’s plans and third-party fee if you sell on Shopify.
PayPal holds your money in a PayPal balance until you withdraw it. In your books, each sale is income at its full amount and PayPal’s fee is a separate expense; a withdrawal only moves money from your PayPal balance to your bank. Refunds and chargebacks reduce your sales.
Heft doesn’t read PayPal yet; PayPal is the next connection on its list. Today it reads Stripe, Shopify Payments and WooCommerce, matches every payout to the sales and fees behind it, and finds the deposit in your bank account.
The calculator uses PayPal’s standard US rates for one payment received by a business account. It leaves out currency conversion spreads, micropayments pricing, charity rates and negotiated merchant rates. Rates checked November 10, 2026.