What does PayPal charge per transaction
PayPal charges nothing per transaction to buy goods or send money domestically from a balance or bank, but business sales in the U.S. typically cost 2.99% to 3.49% plus $0.49.
The per-transaction fee depends on the payment type, who is paying and where the money is going. Under PayPal pricing for U.S. business accounts and goods and services payments, the domestic rates are:
- Online debit and credit cards: Standard card payments cost 2.99% plus $0.49 each.
- PayPal Checkout and Venmo: Payments through PayPal Checkout or Venmo cost 3.49% plus $0.49.
- Invoicing: Payments collected through PayPal invoices are charged 3.49% plus $0.49.
- In-person QR codes: QR code sales above $10.00 cost 2.29% plus $0.09.
- PayPal Pay Later: Sales paid with Pay Later carry a fee of 4.99% plus $0.49.
Personal payments to friends and family within the U.S. are priced differently:
- PayPal balance or linked bank account: Sending money this way inside the U.S. is free.
- Credit card: The sender pays 2.9% plus $0.30 when funding a personal payment with a credit card.
Cross-border payments add further charges on top of these rates:
- International commercial surcharge: PayPal adds 1.50% to the base rate, so a standard card checkout from abroad costs 4.49% plus $0.49.
- Currency conversion: Changing one currency into another, such as EUR to USD, carries a markup of 3.00% to 4.00% above the mid-market rate.
- International personal payments: Senders pay 5.00% of the amount, with a minimum fee of $0.99 and a maximum of $4.99.
The fixed part of the PayPal fee changes with the currency received, for example £0.20 for GBP and €0.35 for EUR instead of the U.S. dollar amount.