How much extra does PayPal charge for goods and services
For domestic goods and services transactions in the US, PayPal generally charges 2.99% to 3.49% plus a small fixed fee, which is deducted from the seller's payment.
The exact rate depends on how the buyer pays and on the type of account receiving the money. These are the standard US domestic rates listed in the sources:
- Standard online checkout: 3.49% of the payment plus a fixed fee of $0.49.
- Credit and debit card payments: 2.99% plus a fixed fee of $0.49.
- Personal goods and services payments: Around 2.99% when paying or getting paid through a personal account, with slight variation by account type and region.
Extra charges can be added on top of the base rate in some situations:
- International transactions: When the payment crosses borders, PayPal adds a further percentage, usually about 1.50%, to the commercial rate.
- Currency conversion: If PayPal converts the money into another currency, it applies a markup of roughly 4.00% over the base exchange rate.
The goods and services fee is not an extra amount added to the buyer's bill. PayPal takes it from the total that the seller or recipient receives, so the person being paid gets the payment minus the fee.
Because rates differ by country, payment method and account type, the official PayPal pricing page for merchants and the PayPal consumer fees page are the places to confirm the current figures for a specific transaction.