Fees for receiving money
PayPal charges whoever receives a commercial payment. The rate depends on how the buyer pays you:
| How you are paid | Fee |
|---|---|
| Goods and services payment from another PayPal account | 2.99%, no fixed fee |
| PayPal Checkout on your website, guest checkout, Pay with Venmo | 3.49% + $0.49 |
| Standard credit and debit card payments | 2.99% + $0.49 |
| Advanced card payments | 2.89% + $0.49 |
| Pay Later | 4.99% + $0.49 |
| Invoice paid with PayPal or Venmo | 3.49% + $0.49 |
| Invoice paid by card | 2.99% + $0.49 |
| Invoice paid by bank (ACH) | 1%, capped at $10 |
| QR code payment in person | 2.29% + $0.09 |
| Micropayments rate, if your account uses it | 4.99% + $0.09 |
| Buyer outside the US | add 1.50% |
What that costs on real payments
| Payment | Goods and services | Checkout | Card payment | Pay Later |
|---|---|---|---|---|
| $10.00 | $0.30 | $0.84 | $0.79 | $0.99 |
| $50.00 | $1.50 | $2.24 | $1.99 | $2.99 |
| $100.00 | $2.99 | $3.98 | $3.48 | $5.48 |
| $500.00 | $14.95 | $17.94 | $15.44 | $25.44 |
The fixed fee depends on the currency you receive
For the rates with a fixed fee, the fixed part follows the currency of the payment, not where you live:
| Currency received | Fixed fee | QR code fixed fee |
|---|---|---|
| US dollar | $0.49 | $0.09 |
| British pound | £0.39 | £0.07 |
| Euro | €0.39 | €0.07 |
| Canadian dollar | C$0.59 | C$0.11 |
| Australian dollar | A$0.59 | A$0.12 |
Fees for sending money
- Friends and family in the US: free when you pay from your PayPal balance or a linked bank account. Paying by credit or debit card costs the sender 2.90% + $0.30.
- Friends and family to another country: an extra 5% of the amount, at least $0.99 and at most $4.99.
- Buying something: free for the buyer. The seller pays the fee.
Fees for moving money to your bank
- Standard transfer: free, and usually arrives in one to three business days.
- Instant transfer, personal account: 1.75% of the amount, at least $0.25 and at most $25.
- Instant transfer, business account: 1.50%, with a $0.50 minimum.
Currency conversion
When PayPal converts money for you, it adds a margin on top of its base exchange rate: 4% when you pay in a currency other than the listing currency, send friends and family money across currencies or use Payouts, and 3% for everything else.
Disputes, chargebacks and refunds
- Dispute fee: $15, or $30 for high volume accounts, on disputed payments made through a PayPal account or PayPal Checkout.
- Chargeback fee: $20 on card payments that did not go through a PayPal account or guest checkout.
- Refunds: issuing a refund is free, but PayPal does not give back the fees from the original payment.
Outside the US
Domestic goods and services payments cost 2.9% + £0.30 in the UK, 2.90% + C$0.30 in Canada and 2.90% + A$0.30 in Australia. The PayPal UK calculator works it out in pounds.
PayPal fee questions
How much does PayPal charge?
It depends on the payment type. A goods and services payment costs the receiver 2.99%, so $2.99 on $100.00. PayPal Checkout on a website costs 3.49% + $0.49. Sending money to friends and family from your balance or bank is free.
What is the PayPal fee on $100?
$2.99 for goods and services, $3.98 through PayPal Checkout and $3.48 for a standard card payment.
Does PayPal charge to receive money?
Not for friends and family payments funded from a balance or bank. Payments for goods and services, invoices and checkout payments are charged to the receiver.
Does PayPal charge to transfer money to my bank?
A standard transfer is free. An instant transfer costs 1.75% for personal accounts, between $0.25 and $25, or 1.50% for business accounts with a $0.50 minimum.
What are PayPal’s international fees?
Receiving a commercial payment from outside the US adds 1.50%. Sending friends and family money abroad adds 5%, between $0.99 and $4.99. Currency conversion adds a 3% or 4% margin to the exchange rate.
Sources: PayPal US merchant fees · PayPal consumer fees