Which PayPal fee applies
It depends on how the money is sent. For a US seller receiving US dollars, PayPal's own business fee page lists:
- Goods and services: 2.99%
- PayPal Checkout on a website: 3.49% + $0.49
- Scanning a PayPal QR code: 2.29% + $0.09
- Friends and family from a balance or bank: free
- Friends and family by card: 2.90% + $0.30, paid by the sender
Sources: PayPal business fees; PayPal consumer fees. Checked October 2026.
Who pays it
On goods and services, Checkout and QR code payments, the fee comes out of what the seller receives. On a friends and family payment funded by a card, the sender pays it on top.
Use “I want to get” in the calculator to see what to charge so that, after the fee, the amount you wanted is what lands.
Getting the money out
Moving money from PayPal to your bank with a standard transfer is free. An instant transfer from a personal account costs 1.75%, at least $0.25 and at most $25. From a business account it is 1.50%, at least $0.50.
Sources: PayPal consumer fees; PayPal business fees. Checked October 2026.
Payments from abroad
A commercial payment from another country adds 1.50% to the rate. A personal payment sent abroad adds 5%, at least $0.99 and at most $4.99. Converting currency costs more again. The calculator shows US payments in US dollars.
Sources: PayPal business fees; PayPal consumer fees. Checked October 2026.
Getting paid for orders
If customers pay you through a Utilica page, their app opens with the exact amount filled in. We add nothing on top of what the app charges, on any plan.
Cash App, Venmo and Zelle can sit beside PayPal on the same page, so customers pay in whichever app they already have.