PayPal Global Fee Calculators (2026)

For US commercial transactions, PayPal charges: Invoicing and Digital Checkout: 3.49% + $0.49; Standard Credit and Debit Cards: 2.59% to 2.99% + $0.49; Micropayments (<$10): 4.99% + $0.09; QR Code payments (> $10): 1.90% + $0.10; Venmo checkout: 3.49% + $0.49.

To receive your exact invoiced amount after PayPal deducts fees, calculate: Gross Invoice = (Target Net + Fixed Fee) / (1 - Variable Rate). For a $1,000 target payout on standard PayPal Invoicing (3.49% + $0.49), charge ($1,000 + $0.49) / (1 - 0.0349) = $1,036.67.

For international cross-border transactions, PayPal charges an additional 1.50% cross-border fee over base rates. If currency conversion is required, PayPal adds a 3.00% to 4.00% FX spread above the wholesale interbank exchange rate.

No. Under PayPal's policy, when you issue a full or partial refund to a buyer, PayPal retains the original transaction processing fee (the percentage rate + fixed fee). The customer receives 100% of their refund, and the seller absorbs the lost fee.

PayPal charges a standard Dispute Fee of $15.00 (or $30.00 High Volume Dispute Fee if your dispute ratio exceeds 1.5%). This fee applies to cases filed in PayPal Resolution Center or bank chargebacks unless covered under PayPal Seller Protection.

PayPal Micropayments (4.99% + $0.09) saves significant money on transactions below approximately $12.00 compared to standard invoicing (3.49% + $0.49). For a $3.00 digital purchase, standard invoicing fees cost 60¢ (20%), while Micropayments fee is only 24¢ (8%), saving 60% in overhead.

Standard bank transfers take 1 to 3 business days free of charge. Instant transfers to eligible bank accounts or Visa/Mastercard debit cards incur a 1.75% fee (minimum $0.25, capped at $25.00 per transfer).

Merchants must ship physical goods to the address listed on the Transaction Details page, retain valid proof of delivery with carrier tracking (and signature confirmation for orders over $750), and respond to dispute inquiries within 10 days.