How much is PayPal processing fee

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Accepted Answer

The PayPal processing fee for a standard US domestic sale is 3.49% plus $0.49 through PayPal Checkout, while card payments cost 2.99% plus $0.49. The exact rate depends on how the buyer pays and whether the account is personal or business.

For a wider PayPal overview, it helps to separate the fees a seller pays on sales from the fees that apply to personal transfers and withdrawals.

PayPal Checkout and Venmo: A US domestic payment through these buttons costs 3.49% plus a fixed $0.49 per transaction.
Standard credit and debit cards: Card payments are charged 2.99% plus $0.49 per transaction.
Goods and Services payments: A peer-to-peer payment for a purchase costs 2.99%, with no fixed fee added.
In-person QR code and POS: Transactions above $10.00 are charged 2.29% plus $0.09.
PayPal Pay Later: Payments where the buyer uses Pay Later cost 4.99% plus $0.49 per transaction.
Advanced card processing: Rates start at 2.89% plus $0.29, but this option needs a custom integration on the seller's website.

Personal PayPal accounts in the US have a different fee pattern from business sales.

Friends and Family transfers: Domestic personal payments are free when funded from a PayPal balance or linked bank account. Paying with a credit card adds 2.90% plus a fixed fee.
Standard bank withdrawal: Moving money to a bank account carries no fee and usually takes 1 to 3 business days.
Instant withdrawal: PayPal charges 1.75% of the amount moved, with a minimum of $0.25 and a maximum of $25.00.

Payments that cross borders cost more. A US seller receiving a commercial payment from another country pays an extra 1.50% on top of the base rate. When a payment needs currency conversion, PayPal applies a spread of 3.00% to 4.00% above the mid-market exchange rate.

To estimate the fee on a particular payment, check three things: the total amount, the payment method the buyer used (card, PayPal button or QR code) and whether the payment is domestic or international. PayPal publishes its current rates on its business and consumer fee pages, and these apply to US accounts, so sellers in other countries should check the fee page for their own region.