PayPal fee calculator 2026 — what you actually keep

Receiving a commercial payment costs 3.49% + $0.49 in the US, 2.9% + 30p in the UK and 3.4% + €0.35 in the Eurozone (PayPal Checkout). Cross-border payments add an international surcharge, and converting into your account currency costs a 3% spread. Pick your country in the hero — the "Micropayments" variants switch the whole rate plan for small digital sales. Everything updates as you type.

Micropayments: small sales, different math

On the micropayments rate plan (a separate application with PayPal) you pay 4.99% + 9¢ in the US, 5% + 5p in the UK and 5% + 5¢ in the Eurozone — more percent, far less fixed. Below roughly $10–12 per payment, micropayments usually win; above that, the standard rate wins. The geo pill in the result card lets you compare both plans on your own numbers.

Reverse mode: what to charge

Flip the switch to What to charge, enter the amount you want to receive, and FeeKeep solves the exact amount to request — PayPal's fee included.

Verified numbers, dated

Rates are checked by hand against PayPal's official merchant fee pages for the US, UK and Eurozone.

• US domestic: 3.49% + $0.49 · international +1.5%
• UK domestic: 2.9% + 30p · international +1.99% (+1.29% from the EEA)
• Eurozone domestic: 3.4% + €0.35 · EEA senders count as domestic, UK +1.29%, other markets +1.99%
• Micropayments: US 4.99% + 9¢ · UK 5% + 5p · EU 5% + 5¢ (international micro: +1.5% US, +1.0% UK/EU)
• Currency conversion: 3% spread above the base exchange rate
• Not modelled: invoicing rates, Pay Later, card-payment-services pricing, chargeback and withdrawal fees