PayPal Fees for US Businesses (2026)
By Selling Fee Tools team ·
PayPal charges US businesses different rates depending on how the buyer pays. This guide lists each one from PayPal’s US Merchant Fees page (last updated by PayPal on 1 October 2026), checked in October 2026.
Rates by payment type
| Payment type | Rate | On $100 |
|---|---|---|
| PayPal Checkout, Guest Checkout, Pay with Venmo | 3.49% + $0.49 | $3.98 |
| Standard credit and debit card payments | 2.99% + $0.49 | $3.48 |
| Goods and services between PayPal accounts | 2.99%, no fixed fee | $2.99 |
| PayPal Pay Later | 4.99% + $0.49 | $5.48 |
| QR code payments | 2.29% + $0.09 | $20 payment: $0.55 |
| All other commercial payments | 3.49% + $0.49 | $3.98 |
Invoices
Invoice payments cost 3.49% plus the fixed fee when paid by PayPal or Venmo, 2.99% plus the fixed fee by card or wallet, and 4.99% plus the fixed fee by Pay Later. A $500 invoice paid by card costs $15.44.
International payments
- Payments from buyers outside the US add 1.5%: $100 through PayPal Checkout costs $5.48, and a goods-and-services payment $4.49.
- The fixed fee follows the currency you receive: $0.49 in US dollars, £0.39 in pounds, €0.39 in euros, C$0.59 in Canadian dollars and A$0.59 in Australian dollars. £100 received through Checkout costs £3.88.
- If PayPal converts a balance or payment for you, its exchange rate includes a 3% margin above the base rate.
What to charge
To receive exactly $100 from a domestic PayPal Checkout payment, ask for $104.12: 3.49% of that plus $0.49 is $4.12. Check card network rules and your state’s law before adding a surcharge for paying by PayPal.
PayPal or a card processor?
On the same domestic card payment, Stripe charges 2.9% + 30¢, $3.20 on $100, against $3.48 for PayPal’s standard card payments. PayPal is the way to accept a buyer’s PayPal balance and Venmo. See Stripe vs PayPal fees.
Work out your own numbers
- PayPal fee calculator with every US payment type and a “What to charge” mode
- Stripe fee calculator
- PayPal fees by country for UK, Canadian and Australian accounts
Source: PayPal US Merchant Fees page, listed on the calculator and on our methodology page.