Enter an amount to see the PayPal fee and what you keep, or switch to reverse mode to find what to ask for so you receive an exact amount. Modes cover goods and services payments, sending money and invoices, and a comparison row shows the same sale at Stripe and Square standard online card rates (Square's Free plan rate). Every rate is an editable default taken from the vendor's standard published US pricing as of September 2026. Fees change and vary by country, account and product, so check the linked pricing page before relying on a number. Everything runs in your browser. Nothing you type is sent to We.Inc or anyone else.
A designer sends a $250 invoice through PayPal. At 3.49% plus $0.49 the fee is $9.22 and she receives $240.78. To receive the full $250 she would ask for $259.55.
The same $250 paid by card through Stripe at 2.9% plus $0.30 costs $7.55, leaving $242.45, which is $1.67 more than PayPal, or about $20 a year at one invoice a month. Through Square online on its Free plan, at 3.3% plus $0.30, it costs $8.55 and leaves $241.45.
The fixed part of the fee matters most on small amounts. On a $5 digital download, 3.49% is only $0.17, but the $0.49 fixed fee brings the total to $0.66, over 13% of the sale. Bundling small items or setting a minimum order keeps that share down.
The default here is 3.49% plus $0.49 per payment, PayPal's standard US rate for commercial payments as we understand it in September 2026. On a $100 sale that is $3.98, so you keep $96.02. Check PayPal's fee page for your account, because rates vary by product and country.
Sending to friends and family in the US from a PayPal balance or bank account is normally free. Paying with a credit or debit card adds a fee, which defaults here to 2.9% plus $0.30. Both values are editable.
Add the fixed fee to the amount you want, then divide by one minus the percentage. To receive $200 at 3.49% plus $0.49 you ask for $207.75. Reverse mode does this and rounds up to the cent.
The default invoice rate is the same 3.49% plus $0.49 as a goods and services payment, because that is how PayPal lists it for standard US invoices as of September 2026. When the buyer pays an invoice by card or Apple Pay without a PayPal account, PayPal lists a lower 2.99% plus $0.49, so check the linked page and edit the rate if that applies.
Many sellers take card payments through more than one service. Seeing the same amount at each standard online rate helps you pick where to point buyers. The comparison uses standard published rates only; negotiated or promotional rates are not included.
No. It is a free, independent calculator. Always confirm fees on PayPal's own pricing page.
Related: Payment Processing Fee Calculator, Etsy Fee Calculator, eBay Fee Calculator, Invoice Generator, Margin Calculator.
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