PayPal Fee Calculator
Transaction, cross-border and conversion costs.
Processor pricing varies by country, card type and whatever you negotiated, and it changes without much notice. Take the real figures from your own statement — these defaults are a starting point, not your account.
PayPal fee
$2.98
4.18% of the $71.28 charged
The fee is charged on the full $71.28 including shipping and tax, not on the $60.00 of product — so the effective rate against your own revenue is 4.96%, not 3.49%. US goods and services rate for PayPal Checkout. The currency conversion spread is the largest single cost for cross-border sellers and is applied on top of the transaction fee, not instead of it.
How the PayPal Fee Calculator works
PayPal's headline rate is only part of the cost. The cross-border fee and the currency conversion spread stack on top of it, and for sellers with overseas customers the conversion spread is frequently the largest single deduction on the statement.
Not financial advice. Marketplace fees change, and they vary by country, plan and seller status. Every rate here is an editable default, not a quoted price — check the platform's current fee schedule before you price a product against it. This is not tax or business advice.
Frequently asked questions
What does PayPal charge sellers?
Around 3.49% plus a fixed fee for US goods and services through PayPal Checkout, with rates varying by country and product. A cross-border fee applies when the buyer is overseas, and currency conversion adds several percent more.
Why is the conversion spread so expensive?
Because it is a markup on the exchange rate rather than a stated fee, so it does not appear as a line item — it is baked into the rate you receive. It commonly runs to several percent, which dwarfs the transaction fee on cross-border sales.
How do I avoid the conversion cost?
Hold a balance in the currency you were paid in and withdraw to a local account in that currency, or move the balance to a multi-currency account that converts at the mid-market rate. Converting in bulk beats converting per transaction.
Do I keep the fee if a buyer refunds?
The percentage comes back on a full refund but the fixed fee generally does not. Disputes are worse — a lost dispute costs the goods, the shipping and often a dispute fee on top.