How PayPal Fees are Calculated
PayPal typically charges a percentage of the total transaction amount plus a fixed fee. As of 2026, standard domestic commercial rates often hover around **2.99% + $0.49**, though these can vary based on your location and the type of payment (e.g., QR codes, international, or charity rates).
Calculating the "Ask" Amount
If you need to receive an exact amount (e.g., $100 for a service), you cannot simply add 2.99% to your price. Because PayPal takes a percentage of the total sent, you would still end up short. You must use this "Reverse" formula:
Total to Ask = (Desired Amount + Fixed Fee) / (1 - Fee Rate)
Friends & Family vs. Goods & Services
Payments sent via "Friends & Family" generally do not incur fees for the recipient when funded by a bank account or PayPal balance. However, these payments do not offer Purchase Protection. Commercial transactions should always use "Goods & Services."