PayPal Fee Calculator
For a goods and services payment. See exactly what you keep.
Not affiliated with, endorsed by, or sponsored by PayPal. See the fee change log.
Recommended Shipping Supplies & Equipment
Streamline order fulfillment, protect merchandise, and maximize your net seller profit margins.
Commercial 4x6 Wireless Direct Thermal Label Printer
High-speed 300 DPI direct thermal shipping label printer with wireless Bluetooth and USB connectivity. Compatible with eBay, Etsy, Poshmark, Mercari, Shopify, and Pirate Ship with zero ink or toner costs.
Heavy-Duty Digital Postal Shipping Scale (110-400 lb)
High-precision stainless steel mail scale with separate wall-mountable backlit LCD, tare function, and 0.1 oz accuracy. Accurately weighs envelopes, parcel boxes, and bulk cartons.
Commercial On-Demand Air Cushion Packaging Machine
Fast desktop air pillow maker that inflates protective bubble cushions on demand. Replaces bulky, expensive rolls of pre-inflated bubble wrap and packing peanuts in small home offices.
Heavy-Duty Packing Tape Gun with 6-Roll Commercial Tape
All-metal side-loading carton sealing tape gun with adjustable brake knob, sharp steel blade, and six rolls of heavy-duty 2.7-mil water-resistant acrylic packing tape.
8-Inch to 12-Inch Impulse Heat Sealer for Poly Bags
Electric impulse bag sealer with adjustable temperature timer control. Delivers instant airtight, professional seals on clear retail polybags, craft goods, and Amazon FBA inventory.
Self-Seal Waterproof Poly Mailers Multi-Size Pack (100-500ct)
Heavy 2.5-mil puncture-resistant polyethylene shipping bags with tamper-evident peel-and-stick adhesive flaps. Waterproof barrier for clothing, apparel, and non-fragile merchandise.
E-Commerce Packaging & Fulfillment Workflow Matrix
Core packaging equipment mapped to seller platforms, parcel security, and profit protection.
| Fulfillment Gear | Primary Utility | Best Application | Profit Margin Advantage |
|---|---|---|---|
| 4x6 Thermal Printer | Instant barcode printing | High-volume eBay, Etsy, and Poshmark stores | Cuts fulfillment time from 3 minutes to 15 seconds per parcel. |
| Digital Postal Scale | Ounce-accurate package weighing | Calculated shipping rates on USPS Ground & UPS | Eliminates automated carrier audit surcharges and billing clawbacks. |
| Air Pillow Void Fill Maker | Protective product cushioning | Ceramics, glassware, collectibles, and electronics | Reduces item-not-as-described return cases and shipping damage. |
| Commercial Tape Dispenser | Heavy-duty box carton closure | Multi-item orders and corrugated cardboard cartons | Prevents tape peeling in humid transit trucks and sorting hubs. |
| Impulse Heat Sealer | Airtight merchandise protection | Textiles, small parts, and FBA warehouse inbound | Protects merchandise against dust, dirt, and water during warehouse storage. |
| Tear-Proof Poly Mailers | Ultra-lightweight outer envelope | T-shirts, hoodies, jeans, and soft merchandise | Saves 4 to 8 ounces of cardboard weight per shipment to preserve margins. |
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How the PayPal goods and services fee works
When someone pays you through PayPal Checkout for an item or service, PayPal takes 3.49% of the total amount plus a fixed $0.49 for a standard US domestic payment. Both come out automatically before the balance lands in your account. There is no separate invoice to track.
The fee applies to the total payment, so if you invoice for $100 plus a $10 shipping charge in one $110 payment, PayPal’s cut is 3.49% of $110, not of $100. Splitting shipping into a second, separate payment doesn’t avoid this , it just adds a second $0.49 fixed fee on top.
Goods and services vs. friends and family
PayPal only charges this fee on payments marked "goods and services", the option that gives the buyer purchase protection. A "friends and family" payment funded by a bank account or PayPal balance is free to send and receive, but it carries no buyer or seller protection, and using it to dodge fees on an actual sale violates PayPal’s terms of service and can get an account limited.
Learn more about PayPal fees
- How much is the PayPal fee for goods and services, dollar examples from $10 to $1,000
- Does PayPal charge a fee to send money, the personal-payment rules by funding source
- Why does PayPal charge a fee to receive money
Frequently asked questions
How much does PayPal charge to receive money for goods and services?
PayPal Checkout charges 3.49% of the amount plus a fixed $0.49 for a standard domestic US transaction. On a $100 payment, that is $3.49 + $0.49 = $3.98, for a $96.02 payout.
What is the PayPal goods and services fee?
The fee PayPal charges the seller for receiving a payment marked "goods and services" rather than "friends and family", currently 3.49% + $0.49 for a US domestic payment. Friends and family payments funded by a bank account or balance are free to receive.
Does PayPal charge a fee on shipping I charge the buyer?
Yes. PayPal’s fee is assessed on the total amount received, including any shipping charge bundled into the same payment, not on the item price alone.
Why did PayPal’s fee go up?
PayPal has raised its Checkout rate from 2.99% to 3.49% over recent fee schedule updates. Check the date on this page against your own account’s fee disclosure if the numbers ever look different, PayPal fees vary slightly by country and by whether the payment method is a card, bank transfer or PayPal balance.
Is there a cheaper way to receive PayPal payments?
PayPal’s QR code payments carry a lower rate (2.29% + $0.09) than standard Checkout, but that only applies to in-person QR transactions, not online invoices or buttons. For online goods and services payments, 3.49% + $0.49 is the standard rate this calculator models.