PaidRouter

PayPal fee on $5,000 · fees checked 2026-10-29

PayPal takes $174.99 from a $5,000 payment. You keep $4,825.01.

PayPal Checkout charges PayPal Checkout, 3.49% + 49¢ on a US business payment. The same $5,000 by bank transfer costs $0.00 to receive. Change the amount below for your own number.

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Show me the cheaper way

What costs less on $5,000

  1. Melio, bank transfer request: $0.00 instead of $174.99, so you keep $174.99 more per $5,000.00 payment, $8,399.52 a year at 4 a month.
  2. Zelle for business (through your bank): $0.00 instead of $174.99, so you keep $174.99 more per $5,000.00 payment, $8,399.52 a year at 4 a month.
  3. Wise Business, USD account ($31 once): $0.00 instead of $174.99, so you keep $174.99 more per $5,000.00 payment, $8,399.52 a year at 4 a month.
  4. Payoneer receiving account, then withdraw: $1.50 instead of $174.99, so you keep $173.49 more per $5,000.00 payment, $8,327.52 a year at 4 a month.

Ranked by fee only. Each route is set up in your own account; PaidRouter never holds your money.

PayPal fees at other amounts

PaymentPayPal Checkout feeYou keepCheapest route
$50$2.24$47.76Melio, bank transfer request, $0.00
$100$3.98$96.02Melio, bank transfer request, $0.00
$200$7.47$192.53Melio, bank transfer request, $0.00
$250$9.22$240.78Melio, bank transfer request, $0.00
$500$17.94$482.06Melio, bank transfer request, $0.00
$1,000$35.39$964.61Melio, bank transfer request, $0.00
$2,000$70.29$1,929.71Melio, bank transfer request, $0.00
$5,000$174.99$4,825.01Melio, bank transfer request, $0.00

Questions

How much is the PayPal fee on $5,000?

$174.99: PayPal Checkout, 3.49% + 49¢ on a US business payment. You receive $4,825.01 of the $5,000. That is an effective 3.5%.

How do I receive $5,000 without the PayPal fee?

Ask for a bank transfer. Melio, bank transfer request costs $0.00 to receive $5,000, nothing at all, so you keep $174.99 more than on PayPal Checkout. If the client insists on a card, Helcim, card charges $125.35 (estimate).

What does PayPal's fee on $5,000 add up to over a year?

At 4 payments like this a month, $8,399.52 a year goes to PayPal. On Melio, bank transfer request the same payments cost $0.00 a year.

All of PayPal's rates, with sources: PayPal fee calculator. Every route compared: cheapest payment processor.

Have an AI assistant? Connect PaidRouter and it answers this for any amount: paidrouter.com/mcp. Free key, ranked by fee only.

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Fees at an amount: PayPal $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Stripe $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Square $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Venmo $50 $100 $200 $250 $500 $1,000 $2,000 $5,000