Payment fees
PayPal Fee Calculator
PayPal fees combine a percentage and a fixed amount. This calculator lets you edit both so the math can match your transaction type.
Calculate with Fees
Start with the calculation you need
Stripe/PayPal fee calculator
Compare fee, payout, and the gross charge needed for a target net amount.
Try a scenario
Load common starting numbers, then edit any field to match your own business.
Processing fee
$3.20
Net payout
$96.80
Charge to net target
$103.30
Formula used
- Processing fee
$100.00 x 2.9% + $0.30 = $3.20- Net payout
$100.00 - $3.20 = $96.80- Charge to net target
($100.00 + $0.30) / (1 - 2.9%) = $103.30
Assumptions used
- Fee formula
- Estimated fee equals charge amount times 2.9% plus $0.30 fixed fee.
- Account terms
- Processor country, payment method, currency conversion, disputes, and surcharges can change the final payout.
Edit the rates to match your processor account, country, payment method, and transaction type.
Questions people usually check before using this result
Can Stripe fees change?
Yes. Edit the percentage and fixed fee to match the exact pricing shown in your Stripe account or plan.
Does this include international cards?
Only if you add those costs into the editable rate fields. International, currency conversion, and special payment methods can differ.
Use the right transaction type
PayPal pricing can vary by checkout product, domestic or international card, currency, and account terms. Replace the starting rates with the fees that apply to your transaction.
Compare platforms on net payout
The lowest-looking percentage is not always the lowest total cost. Compare the final net payout after both fixed and percentage fees.
Use the number responsibly
What to verify before you act on the result.
BizCalcKit is designed for planning and comparison. Treat the result as a working estimate, then confirm the details that depend on your location, client, platform, or tax situation.
Good use cases
- Estimating processor fees and net payout before sending an invoice, payment link, or checkout total.
- Comparing percentage and fixed-fee impact on small and large transactions.
- Finding the gross charge needed to receive a target amount after fees.
Check before sending
- Current account pricing, country, payment method, currency conversion, chargeback, and international-card fees.
- Whether platform, card-network, state, or country rules allow passing fees to customers.
- Whether the fee should be included in pricing, absorbed as overhead, or shown separately.
Quick workflow
- 1.Choose PayPal in the fee calculator and edit the percentage and fixed fee for your transaction type.
- 2.Enter the charge amount to see the estimated fee and net payout.
- 3.Use the target net field when you need to gross up an invoice or payment request.
- 4.Confirm account, currency, international, and surcharge rules before using the result with a client.
Questions to check before you decide
Why is there a fixed fee?
Payment processors often charge a flat amount per transaction in addition to a percentage, which affects small payments more heavily.
Can I pass PayPal fees to customers?
Rules vary by platform policy, state, country, and card-network rules. Check before adding a surcharge.