PayPal Merchant Fees (US) 2026: Checkout + International Add-ons
Published on January 10, 2026
PayPal merchant pricing varies by payment type. This guide focuses on the most common US seller rates and how to model international transactions.
Need a calculator for Goods & Services? See PayPal Goods and Services fee calculator.
Quick fee table (US, 2026)
Fee base = payment amount| Fee | Rate | Formula / note |
|---|---|---|
| PayPal Checkout | 3.49% + fixed | amount x 0.0349 + fixed fee |
| Standard card | 2.99% + fixed | amount x 0.0299 + fixed fee |
| International add-on | +1.5% | Add-on for international transactions. |
Related calculators & long-tail topics
1) Standard domestic rates (US)
- PayPal Checkout: 3.49% + fixed fee per transaction
- Standard credit/debit card payments: 2.99% + fixed fee per transaction
Fixed fees vary by the currency received, so apply the fixed fee for your settlement currency when modeling profit.
2) International transactions
PayPal adds an additional percentage-based fee for international commercial transactions. The published add-on rate for US accounts is 1.50%.
3) Profit formula
Net profit = order total - (PayPal fee + platform fees + shipping + COGS + other costs)
FAQ
What are PayPal fees?
PayPal fees are usually a percent plus a fixed fee per transaction. Rates vary by payment type and country; this guide summarizes common US merchant rates and international add-ons.
How do I calculate PayPal fees?
Use: amount × rate + fixed fee. Add the international transaction add-on when applicable, and include shipping/tax if they are part of the payment amount.
What are PayPal international fees?
For US merchant accounts, PayPal lists an additional ~1.5% for international commercial transactions. Always confirm the current fee table for your account and checkout type.
What is the PayPal Checkout rate in the US?
PayPal Checkout uses a percent plus a fixed fee. The published US rate is 3.49% + a fixed fee by currency.
What is the standard card rate?
Standard card payments are listed at 2.99% + a fixed fee per transaction.
Is there an international fee add-on?
Yes. PayPal adds about 1.5% for international commercial transactions on US accounts.
Do PayPal fees apply to shipping and tax?
PayPal processes the total payment amount, which typically includes shipping and tax.
Does the fixed fee vary by currency?
Yes. The fixed fee depends on the settlement currency. Use the fixed fee for your currency.
Are disputes or chargebacks included?
No. Dispute and chargeback fees are not included in this summary.
Do PayPal rates vary by country?
Yes. Rates and fixed fees differ by country. Check the local fee table.
How can I estimate profit quickly?
Use the PayPal fee calculator with your order amount and costs to see net profit and margin.