Work out the fee PayPal takes from a payment, what you’ll actually receive, or how much to ask for so you get an exact amount after fees.
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PayPal fees in 2026
| Payment type | US | UK |
|---|---|---|
| Goods and services / commercial | 2.99% + $0.49 | 2.9% + £0.30 |
| PayPal Checkout or invoice | 3.49% + $0.49 | 2.9% + £0.30 |
| QR code in person | 2.29% + $0.09 | – |
| Buyer in another country | +1.5% | + an international fee |
| Friends and family (bank or balance) | Free | Free |
Worked examples
Receiving $100 for goods in the US
The fee is 2.99% of $100 ($2.99) plus $0.49, so $3.48. You receive $96.52.
Getting exactly £100 in the UK
To cover 2.9% + £0.30, ask for (£100 + £0.30) ÷ 0.971 = £103.30. The fee is £3.30.
Tips
- Don’t ask buyers to pay as friends and family to avoid fees. You both lose Buyer and Seller Protection, and it breaks PayPal’s rules for sales.
- Get paid in your own currency where you can. Conversion adds roughly 3–4%.
- Fees are taken from the payment automatically, and are only partly returned on refunds.
Frequently asked questions
How much does PayPal charge to receive $100?
$3.48 for a US goods and services payment (2.99% + $0.49), so you receive $96.52.
What are PayPal's UK fees?
2.9% + £0.30 for UK commercial payments, plus an extra fee if the buyer is abroad.
Is friends and family free?
Yes, in the same country when paid from a bank account or PayPal balance. Card-funded payments have a fee, and there’s no purchase protection.
How do I add PayPal fees to an invoice?
Choose ‘What to charge’ in the calculator. It works out the amount so you receive your target after fees.
Sources
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