What percent does PayPal take
PayPal takes 2.99% to 3.49% plus a $0.49 fixed fee on most standard domestic commercial transactions in the U.S.
The exact percentage depends on how the payment is made and whether it crosses a border or involves a currency conversion.
- Credit and debit card payments: The standard domestic rate is 2.99% plus $0.49 per transaction.
- PayPal Checkout and Venmo: These payments carry a domestic rate of 3.49% plus $0.49.
- Goods and services between individuals: PayPal generally takes 2.99%, often without a fixed fee, though this can differ by region.
- QR code payments: The rate is 2.29% plus a fixed fee.
Cross-border payments cost more. For international commercial payments, PayPal adds a further percentage, which can push the total to about 4.4% or above depending on the region. Indian accounts receiving international payments, for example, face a flat 4.4% transaction fee.
Currency conversion is charged separately. When PayPal converts money from one currency to another, it applies a margin of roughly 3.0% to 4.0% above the base exchange rate, so the amount lost can be higher than the headline fee.
Rates vary by country and account type, so compare the figures above with PayPal pricing for your region and your own account agreement before quoting a price or setting fees for a sale.