It is important to note that if you have a personal PayPal account and sold a product or service with the fund being processed through PayPal, you are classified as a merchant. The fixed fee differs for each transaction and currency, whereas the percentage rate only varies for the different transaction types. PayPal merchant fee structureĪlso known as PayPal seller fees, a merchant rate is usually split into two parts: a percentage rate and a fixed fee. Use the free PayPal calculator above to calculate your PayPal online transaction fees. International payments might cost more.įor more information on PayPal fees, check out PayPal merchant fees or PayPal consumer fees. Sending money within the USA and withdrawing to a PayPal balance or local bank account is free. Buying something or making personal payments through PayPal is free if you use the same currency (USD for USD, etc.). PayPal processing fees are simpler for consumers. For a Goods and Services transaction, the PayPal transaction fee will be ($100 x 0.0289) + $0.49 = $3.38, and the merchant gets $100 – $3.38 = $96.62.In the case of a charity transaction, PayPal’s total fees will be ($100 x 0.0199) + $0.49 = $2.48, and the nonprofit will receive $100 – $2.48 = $97.52.Let’s do some manual calculations to work out the exact amount: The Goods and Services fee is 2.89% plus 49¢ for each domestic transaction. The standard fee for merchants is 3.49% plus 49¢ per domestic non-American Express transaction, while a charity’s transaction fee starts from 1.99% plus 49¢ per transaction. International transactions cost more for merchants and consumers, depending on multiple factors. Any transaction made through American Express might be discounted. Each product charges a different rate, and some have an additional fixed fee per transaction. You are considered a consumer if you buy something online or offline using PayPal.įor merchants, PayPal offers both online and point-of-sale products. Consumers refer to the customers or buyers, while merchants refer to the sellers or service providers. PayPal serves consumers and merchants (business owners) like any other payment processor. How to calculate PayPal USA transaction fees
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