PayPal Fee Calculator • 2026 Updated

PayPal Business vs Personal Fee Calculator

Compare real-time transaction fees between PayPal Business (Goods & Services, Invoicing, QR Codes) and Personal Friends & Family accounts.

Transaction Amount Live slider or type amount

PayPal Transaction Type

International Payment (+1.50% cross-border fee)

💡 Personal vs Business Tip: Sending money to Friends & Family via bank account or PayPal balance is $0 (Free) in the US. Business Goods & Services includes full seller & buyer dispute protection.

Business Account

$96.52

Fee: $3.48

Personal (Bank/Bal)

$100.00

Fee: $0.00

Business account costs $3.48 more per transaction (includes Buyer/Seller Protection & Invoicing tools).

Business Effective Rate 3.48%

Personal Effective Rate 0.00%

Understanding PayPal Fees in 2026: Complete Breakdown

PayPal is one of the most widely recognized payment gateways worldwide. However, PayPal’s multi-tiered fee structure can be confusing, with different rates for online checkout, digital invoices, QR code transactions, and cross-border payments.

1. PayPal Commercial & Business Rates (United States)

PayPal Checkout / Standard Online: 2.99% + $0.49 per transaction.
PayPal Invoicing: 3.49% + $0.49 per transaction.
PayPal QR Code Payments (Over $10): 1.90% + $0.10 per transaction.
PayPal QR Code Payments (Under $10): 2.40% + $0.05 per transaction.

2. Business Account vs. Personal Account: Key Differences

When receiving funds via PayPal, using a Personal Account for Friends & Family transfers is free ($0 fee) within the United States if funded by bank transfer or PayPal balance. However, commercial sales require Goods & Services protection.

PayPal Fee FAQs

For commercial Goods & Services transactions and invoicing, the seller always pays the processing fee, which is automatically deducted from the gross payment.

Yes! PayPal merchant processing fees are 100% tax-deductible as business operating expenses in most jurisdictions, including the United States, UK, and Canada.