PayPal fee calculator

PayPal fees can vary depending on factors like the transaction amount, currency, and type of transaction (e.g., goods and services, personal payment, etc.).

Page written by Ian Hawkins. Last reviewed on May 19, 2025. Next review due July 1, 2026.

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This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.

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PayPal fee

$0

Estimated exchange rate

1

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$0

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How to calculate PayPal fees

  1. Identify Transaction Amount: Determine the total amount of the transaction before fees.

  2. Determine PayPal’s Fee Percentage: PayPal charges a fee based on a percentage of the transaction amount plus a fixed fee. However, these fees can change, so make sure to check the latest fee structure on PayPal’s official website.

  3. Calculate PayPal’s Fee: Multiply the transaction amount by the percentage fee and add the fixed fee.

How do I avoid PayPal fees?

Avoiding PayPal fees depends on the specific circumstances and transactions involved. However, here are some general strategies that you can consider:

  • Receive payments in the same currency: When receiving payments in a different currency, PayPal may charge a currency conversion fee. Whenever possible, try to receive payments in the same currency as your account to avoid these fees.
  • Negotiate fees for business transactions: PayPal offers different pricing plans for businesses, and it may be possible to negotiate lower fees based on transaction volume or other factors. Contact PayPal’s customer service to discuss potential fee reductions for your business.
  • Consider alternative payment methods: Depending on your needs and preferences, explore alternative payment methods that may offer lower fees for your specific use case. These alternatives could include bank transfers, cryptocurrency, or other online payment platforms.
  • Understand PayPal’s fee structure: Familiarise yourself with PayPal’s fee structure, including transaction fees, currency conversion fees, and other charges. By understanding how fees are applied, you can make informed decisions to minimise them.
  • Review PayPal’s promotions and offers: PayPal often offers promotions or discounts on fees for specific transactions or customers. Keep an eye out for these promotions and take advantage of them when you can.

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