PayPal fee calculator · fees checked 2026-10-29
PayPal Checkout charges 3.49% + 49¢ on a US business payment. Type your amount to see the fee, what you keep, and the routes that cost less.
Fee and effective rate.
| Payment | PayPal Checkout | PayPal, card | PayPal, Pay by Bank | PayPal goods & services |
|---|---|---|---|---|
| $100.00 | $3.98 (3.98%) | $3.48 (3.48%) | $1.00 (1%) | $2.99 (2.99%) |
| $500.00 | $17.94 (3.59%) | $15.44 (3.09%) | $5.00 (1%) | $14.95 (2.99%) |
| $1,000.00 | $35.39 (3.54%) | $30.39 (3.04%) | $10.00 (1%) | $29.90 (2.99%) |
| $5,000.00 | $174.99 (3.5%) | $149.99 (3%) | $10.00 (0.2%) | $149.50 (2.99%) |
Ranked by fee only. Each route is set up in your own account; PaidRouter never holds your money.
PayPal Checkout charges 3.49% + 49¢ for a US business payment: $35.39 on $1,000, so you keep $964.61. PayPal goods and services (money sent to you by a PayPal user) is the same rate.
Not on PayPal's side: the receiver pays the fee on any goods-and-services or checkout payment. What you can do is offer a route that costs less. A bank-transfer request through Melio, Zelle for business or Wise costs $0 to receive; Stripe ACH is 0.8% capped at $5.
No. On a $1,000 online card payment Stripe charges $29.30 (2.9% + 30¢) and PayPal Checkout $35.39 (3.49% + 49¢). The gap grows with the amount.
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