When using PayPal to invoice your clients and collect payment, certain fees will accrue based on the payment type, currency, and payment method. It can be challenging to accurately calculate these fees before sending an invoice. Using our PayPal fee calculator, you can determine how much to bill your client to account for the transactions fees, so you don’t end up footing the bill.

PayPal charges merchants fees when they buy or sells goods or services or perform any other type of commercial transaction. Below is a list of common PayPal merchant fees (last updated December 7,, 2023):

*Visit PayPal’s merchant fees guide to see fixed fees in other currencies.

For international transactions, an additional percentage-based fee of 1.50% is charged for all commercial transactions on top of the standard PayPal fee from the table above.

Lili’s PayPal Fee Calculator is very simple to use! Follow these steps to feel more prepared to handle the fees when sending an invoice through PayPal:

1. Enter the invoice amount
2. Select United States Domestic or International from the drop-down menu
3. Selected the Applicable PayPal Fee from the drop-down menu, e.g. “3.49% + $0.49 (PayPal Checkout & Guest Checkout, Venmo)”
4. Click “Calculate”

The total PayPal fees will appear below the calculator, as well as the amount you will receive after fees are charged, and how much you should ask for to cover the fees.

Bookmark this page to refer back to anytime you need to calculate PayPal fees!

Percentage fees can really add up—especially for high-value transactions—but there are some things you can do to reduce or avoid PayPal fees altogether:

1. Account for Fees in your Billing Total

Per PayPal’s user agreement, you are not permitted to surcharge transaction fees to your clients, but that doesn’t mean you can’t cover the fees in the invoice total. If you have an average or common transaction amount you bill clients for, calculate a fixed “service fee” or “processing fee” based on that dollar amount and charge the same fee for every transaction.

2. Mark Fees as Business Deductions

PayPal fees are business expenses, so even if you can’t avoid them, by adding them as write-offs on your business taxes, you won’t have to pay taxes on that portion of your income later on.

3. Get Paid with Lili

PayPal isn’t the only way to bill your clients! With Lili’s Invoicing Software, you can create professional invoices integrated with your Lili business checking account, then collect payment without transaction fees via ACH transfer, domestic wire transfer, or one of our many integrations, so you can avoid PayPal fees altogether.

Easy payment integration

With our seamless payment gateway integrations, your clients can fulfill invoices via any payment method: debit & credit cards, ACH transfer, domestic wire transfer, Venmo, Cash App, checks, and, of course, PayPal.

Send professional invoices

With Lili’s Invoicing Software, you can easily create and send professional custom invoices to your clients that clearly display account details and guide them through the payment process.

One-stop shop for invoicing

Because Lili’s Invoicing Software is part of the Lili platform, you don’t have to switch between services to manage your invoices and your payments. With Lili, everything is managed in one platform!