PayPal Cross-Border & FX Fee Calculator
Calculate exact PayPal International deductions in USD, model international card + FX conversion spreads, or switch to reverse mode to pass fees cleanly onto a client invoice.
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Net payout kept
$94.52
12-month fee total (50 orders/mo)
$3,288.00/year
Ideal merchant profile
Agencies and remote contractors accepting global client invoices. Typical settlement window: 1–5 business days depending on local bank.
Fee schedule watchout
A $2,000 international client invoice on PayPal can lose $160–$180 once the 4.99% fee and 4% FX spread combine.
PayPal International (Global) payout & reverse-invoice schedule
Pre-calculated USD payouts comparing domestic cards (4.99% + $0.49) against cross-border FX payments (8.99% + $0.49).
| Sale Amount | Domestic Fee | Domestic Net | Cross-Border + FX Fee | Invoice to Net Exact |
|---|---|---|---|---|
| $25 | -$1.74 (6.95%) | $23.26 | -$2.74 (10.95%) | $26.83 |
| $100 | -$5.48 (5.48%) | $94.52 | -$9.48 (9.48%) | $105.77 |
| $500 | -$25.44 (5.09%) | $474.56 | -$45.44 (9.09%) | $526.78 |
| $2,500 | -$125.24 (5.01%) | $2374.76 | -$225.24 (9.01%) | $2631.82 |
| $10,000 | -$499.49 (4.99%) | $9500.51 | -$899.49 (8.99%) | $10525.72 |
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Common questions: PayPal International (International Cross-Border)
How much does PayPal International take from $100 in International Cross-Border?
On a domestic $100 USD transaction, PayPal International deducts $5.48 (4.99% + $0.49), leaving $94.52 net payout. If the buyer uses an international card requiring currency conversion, total deductions reach $9.48 (9.48%).
How much should I invoice to receive $100 after PayPal International fees?
To net an exact $100.00 after domestic PayPal International processing fees, charge $105.77. On cross-border FX transactions, charge $110.42.
Does PayPal International handle VAT, GST, and US sales tax automatically?
No. PayPal International is a payment processor, not a Merchant of Record. You remain responsible for tax registration and remittance (automated tax calculation add-ons typically cost an extra 0.5% per transaction).
Why are PayPal International effective fees higher on $10 micro-orders?
Because the fixed $0.49 per-charge fee applies regardless of cart size. On a $10 order, PayPal International takes $0.99, resulting in a 9.89% effective deduction.