Calculate PayPal payment processing fees and optimize your payment strategy
| Transaction Type | Rate | Fixed Fee |
|---|---|---|
| Domestic (US) | 2.9% | $0.30 |
| International | 4.4% | $0.30 |
| Micropayments | 5.0% | $0.05 |
| Friends & Family | 0% | $0.00 |
PayPal charges 2.9% + $0.30 for domestic transactions. International payments have higher rates at 4.4% + $0.30. Consider this when pricing your products.
For transactions under $10, use PayPal's micropayment rate of 5% + $0.05, which can be more cost-effective than standard rates.
PayPal charges 2.5-4% for currency conversion. Consider receiving payments in your local currency to avoid these fees.
Advanced seller protection costs an additional 0.4% but provides coverage against chargebacks and unauthorized transactions.
High-volume merchants may qualify for reduced rates. Contact PayPal for custom pricing if you process over $3,000 monthly.
Bank transfers and PayPal balance have the lowest fees. Credit card funding may incur additional charges from your card issuer.