PayPal Fee Calculator

Quickly calculate merchant fees for standard credit card payments, PayPal Checkout and Zettle transactions.
Kurt Woock
By Kurt Woock 
Updated
Edited by Sally Lauckner

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PayPal charges fees to process payments. The fees depend on which PayPal service your business uses. Common services include standard credit card payments, Checkout for online purchases and Zettle for in-person transactions.

PayPal fee calculator

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NerdWallet rating 

5.0

/5
NerdWallet rating 

5.0

/5
NerdWallet rating 

5.0

/5

Payment processing fees 

0.40% + 8¢

plus interchange, in-person; 0.50% + 25¢ plus interchange, online.

Payment processing fees 

2.6% + 10¢

in-person; 2.9% + 30¢ online.

Payment processing fees 

2.7% + 5¢

in-person; 2.9% + 30¢ online.

Monthly fee 

$0

Monthly fee 

$0

Starts at $0/month for unlimited devices and locations.

Monthly fee 

$0

Types of PayPal payment methods

There are three main ways to collect payment from customers via PayPal.

1. Standard online credit card and debit card PayPal payments

How it works: You add a PayPal button to your website. Customers are redirected to PayPal’s payments page to enter and submit payment information, which PayPal processes.

Cost: 2.99% plus 49 cents.

2. PayPal Checkout payments

How it works: Customers pay directly on your website without being redirected to PayPal's payments page. PayPal provides the payment gateway and processing.

Cost: 3.49% plus 49 cents.

3. PayPal Zettle card-present or QR code payments

How it works: You buy Zettle, which is PayPal's card reader device, to process in-person transactions.

Cost: 2.29% plus 9 cents.


Here's how several prominent payment processors stack up against PayPal.


Best Payment Processing Companies
ProductPayment processing feesMonthly feeLearn more
Helcim

Helcim

NerdWallet Rating 
5.0
Learn more

on Helcim's website

0.40% + 8¢ 

plus interchange, in-person; 0.50% + 25¢ plus interchange, online.

$0 
Learn more

on Helcim's website

Square

Square

NerdWallet Rating 
5.0
Learn more

on Square's website

2.6% + 10¢ 

in-person; 2.9% + 30¢ online.

$0 

Starts at $0/month for unlimited devices and locations.

Learn more

on Square's website

Stripe

Stripe Payments

NerdWallet Rating 
5.0
Learn more

on Stripe's website

2.7% + 5¢ 

in-person; 2.9% + 30¢ online.

$0 
Learn more

on Stripe's website

Stax by Fattmerchant

Stax by Fattmerchant

NerdWallet Rating 
4.0
Learn more

on Stax by Fattmerchant's website

0% + $0.08 

Plus interchange

$99 

and up.

Learn more

on Stax by Fattmerchant's website