PayPal Fees (US, Online)

PayPal fees 2026: the US commercial online rate

The figure above is the US standard domestic commercial online rate captured from PayPal's official pricing page, with its source and verification date. PayPal fees 2026 searches often mix merchant checkout pricing with personal transfers; this page covers the merchant side only. NetFee Tools is built for sellers, so we do not quote rates for personal or non-commercial payments.

What are PayPal fees?

For a US seller they are the percentage of the charge plus a fixed amount that PayPal deducts before paying out a commercial transaction. The fixed component is why small payments carry a higher effective rate. You can see the exact split for any amount in the PayPal fee calculator.

How much are PayPal fees on a sale?

Use the rate in the table above: multiply the charge by the percentage, then add the fixed fee. Because the answer depends on the amount and on how the payment is classified, there is no single dollar figure that applies to every sale. Our calculator performs the arithmetic in exact cents and also works backwards from the amount you want to receive.

PayPal service charge explained

“PayPal service charge” is commonly used to describe the same merchant fee shown here, but it can also refer to currency conversion, chargebacks, or other account-level charges. Those are separate from the per-transaction rate in our dataset. Always read the fee breakdown in your merchant statement before comparing providers.

Does PayPal charge fees on every transaction?

Commercial payments generally attract the percentage-plus-fixed fee above. Whether a specific payment is treated as commercial depends on how it is sent and on the account type. We publish one narrow, verifiable commercial rate rather than guessing across every flow — see the scope of our data for what is excluded.