PayPal US Fee Calculator
Calculate exact PayPal Business US 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
$96.02
12-month fee total (50 orders/mo)
$2,388.00/year
Ideal merchant profile
High-trust consumer checkout where buyers prefer PayPal Wallet or Pay Later. Typical settlement window: Instant to PayPal balance; 1–3 days ACH.
Fee schedule watchout
PayPal Checkout digital wallet rate (3.49% + $0.49) is noticeably steeper than standard 2.99% + $0.49 unbranded card processing.
PayPal Business US (US) payout & reverse-invoice schedule
Pre-calculated USD payouts comparing domestic cards (3.49% + $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 | -$1.36 (5.45%) | $23.64 | -$2.74 (10.95%) | $26.41 |
| $100 | -$3.98 (3.98%) | $96.02 | -$9.48 (9.48%) | $104.12 |
| $500 | -$17.94 (3.59%) | $482.06 | -$45.44 (9.09%) | $518.59 |
| $2,500 | -$87.74 (3.51%) | $2412.26 | -$225.24 (9.01%) | $2590.91 |
| $10,000 | -$349.49 (3.49%) | $9650.51 | -$899.49 (8.99%) | $10362.13 |
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Common questions: PayPal Business US (United States)
How much does PayPal Business US take from $100 in United States?
On a domestic $100 USD transaction, PayPal Business US deducts $3.98 (3.49% + $0.49), leaving $96.02 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 Business US fees?
To net an exact $100.00 after domestic PayPal Business US processing fees, charge $104.12. On cross-border FX transactions, charge $110.42.
Does PayPal Business US handle VAT, GST, and US sales tax automatically?
No. PayPal Business US 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 Business US 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 Business US takes $0.84, resulting in a 8.39% effective deduction.