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PayPal Merchant Fee Calculators

Standard commercial transaction rates, micropayments, QR codes, and international cross-border surcharges.

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PayPal Fee Calculator USA (3.49% + $0.49 Commerce Rate)

Standard US PayPal checkout and commercial invoice calculator with reverse fee absorption math.

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All Available Regional Tools & Benchmarks (8)

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PayPal UK Fee£

Calculate PayPal merchant deductions in the United Kingdom with reverse invoice charge markup.

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PayPal US Fee$

Standard US PayPal checkout and commercial invoice calculator with reverse fee absorption math.

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PayPal International Fee Calculator$

Calculate cross-border and currency conversion fees on international PayPal sales.

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PayPal In-Person QR Code Fee Calculator$

Calculate PayPal QR contactless payment fees for brick-and-mortar sales.

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PayPal Invoicing Fee Calculator$

Determine exact charge amount so client invoices cover all PayPal processing cuts.

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PayPal Micropayments Calculator$

Optimize small transaction revenue using PayPal specialized micropayment tier.

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PayPal Charity Fee Calculator$

Calculate processing deductions for non-profit fundraising campaigns.

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PayPal Europe Fee Calculator€

Euro commercial checkout fees and reverse invoice generator for PayPal EU.

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PayPal Merchant Fee Calculators — Frequently Asked Questions

Authoritative answers to common questions, regulatory rules, and compliance guidance.

What is the standard PayPal merchant rate in the US?

Standard PayPal commercial checkout in the US costs 3.49% + $0.49. Invoicing transactions sent via PayPal Invoicing incur the same 3.49% + $0.49 rate.

How do PayPal fees compare to Stripe?

On a $500 invoice, Stripe costs $14.80 (2.9% + 30¢), while PayPal costs $17.94 (3.49% + 49¢). You save $3.14 per $500 transaction with Stripe.

Which payment processor is cheaper: Stripe, PayPal, or Square?

For standard online domestic transactions, Stripe and Square tie at 2.9% + $0.30, while PayPal Commerce is noticeably more expensive at 3.49% + $0.49. For in-person point-of-sale card processing, Square (2.6% + $0.10) is the most cost-effective.

What is the cheapest payment processor for micropayments under $10?

For low-ticket transactions, PayPal offers a dedicated micropayments rate (5.0% + $0.05). On a $5 transaction, PayPal micropayments fee is $0.30, compared to $0.45 with Stripe’s standard $0.30 fixed fee.

How do international card surcharges compare across Stripe, PayPal, and Square?

Stripe charges a 1.5% international fee (plus 1% for currency conversion). PayPal adds 1.5% plus a 3–4% currency exchange margin. Square charges 1.0% on international cards.