What this tool tells you
PayPal's fees depend on the payment type and whether it crosses a border. Goods & Services payments cost 2.9% plus $0.30 (and an extra 1.5% internationally); domestic Friends & Family is free but offers no seller protection. This calculator shows your net before you invoice a client.
How the math works
Pick the payment type and whether it's international, then enter the amount. For Goods & Services the calculator applies 2.9% + $0.30 (plus 1.5% if cross-border). For Friends & Family it shows $0 domestically and 5% + a fixed fee internationally.
Frequently asked questions
How much does PayPal charge for Goods & Services?
PayPal charges 2.9% of the amount plus a $0.30 fixed fee for domestic Goods & Services payments in the US, with an additional 1.5% for international payments.
Is Friends and Family free?
Domestic Friends & Family is free, but it comes with no seller protection — if you're paid for goods or services this way, you cannot dispute non-delivery. International Friends & Family is not free.
Why would a client use Friends and Family?
Some clients prefer it to avoid the fee, but receiving business payments through Friends & Family violates PayPal's user agreement and removes your dispute protection. Invoice with Goods & Services instead.