What is PayPal's fee for receiving business payments?

For PayPal Checkout payments from US buyers, 3.49% + 49¢ per payment. Card payments through PayPal's Expanded Checkout are 2.89% + 29¢, in-person QR code and card payments are 2.29% + 9¢, international commercial transactions add 1.5%, and chargebacks cost $20. Prices as of October 2026.

How much does PayPal take from $1,000?

$35.39 on PayPal Checkout, leaving $964.61, or $29.19 if the buyer pays by card through Expanded Checkout. At 2.75% + 30¢, $1,000 by card costs $27.80 with Anytime Capital.

How do I work out what to charge to cover PayPal fees?

Add 49¢ to the amount you want to receive and divide by 0.9651 (one minus 3.49%). To receive $50, charge $52.32. The calculator's “What to charge” mode does the same for any amount and any PayPal rate.

Does PayPal charge more for international payments?

Yes. International commercial transactions add 1.5%, making a PayPal Checkout payment from an international buyer 4.99% + 49¢ ($5.48 on $100). If PayPal converts the currency, it also applies a 3% spread (4% on some conversions).

Why does PayPal take so much from small payments?

Because of the fixed fee. PayPal Checkout adds 49¢ to every payment, so on a $5 sale the fee is $0.66, 13.2% of the sale. Stripe's and Anytime Capital's fixed fee is 30¢.

What is PayPal's chargeback fee?

$20 per chargeback, per PayPal's published US fees. The processing fee on the original payment is not part of that figure.

Is there a cheaper alternative to PayPal?

For card and wallet payments, Anytime Capital Payments is 2.75% + 30¢ with no monthly fee (2.5% + 30¢ for a new business's first 90 days), against PayPal Checkout's 3.49% + 49¢. PayPal's own card rate, 2.89% + 29¢, is lower than PayPal Checkout's too. If your buyers want the PayPal button, the button may be worth its price.

Does this calculator save what I type?

No. The arithmetic runs in your browser and nothing you type is sent or stored. “Copy link to this result” puts your figures in the link itself, so they travel with it when you share it. The rates are each processor's published US pricing; yours can differ if you have negotiated pricing.

Free calculator

PayPal fee calculator

Sale amount

Rate3.49% + 49¢

Fee

$3.98

You receive

$96.02

Effective rate

3.98%

Same payment with Anytime Capital Payments · 2.75% + 30¢

Fee $3.05, you receive $96.95· $0.93 less than PayPal

First 90 days at 2.5% + 30¢: $2.80 fee Claim the launch offer

Payments a month→ $796.00 a month at PayPal, $610.00 with Anytime Capital ($2,232.00 a year less)

Fee on $100.00 at every rate

PayPal Checkout (US buyer) · 3.49% + 49¢$3.98
Card payment (Expanded Checkout) · 2.89% + 29¢$3.18
PayPal Checkout, international buyer · 3.49% + 49¢, +1.5% international$5.48
In person (QR code or card) · 2.29% + 9¢$2.38
Anytime Capital · 2.75% + 30¢$3.05

Enter any amount to see what PayPal keeps and what you receive, at the business rates PayPal publishes for US sellers: PayPal Checkout, card payments, international buyers and in person. Switch to “What to charge” to work back from the amount you need. For a like-for-like card or wallet sale, the same payment at Anytime Capital Payments's 2.75% + 30¢ sits beside it.

The fee on a sale, or what to charge to receive an amount
Every rate PayPal publishes for US businesses
Beside the same payment at 2.75% + 30¢

Updated October 2026. Published US rates; where a figure is not published, the calculator leaves it out rather than guess.

Quick answer

How much does PayPal take from $100?

$3.98 on a PayPal Checkout payment from a US buyer, leaving you $96.02. PayPal's published rate for PayPal Checkout is 3.49% + 49¢. Card payments through PayPal's Expanded Checkout are 2.89% + 29¢ ($3.18), and international buyers add 1.5% ($5.48). At Anytime Capital Payments's 2.75% + 30¢, a $100 card or wallet payment costs $3.05.

Common amounts

PayPal fees on common amounts

PayPal fees on common sale amounts, with Anytime Capital's fee on the same sale
Sale	PayPal fee	You receive	Anytime Capital fee	You receive
$10	$0.84	$9.16	$0.58	$9.42
$25	$1.36	$23.64	$0.99	$24.01
$50	$2.24	$47.76	$1.68	$48.32
$100	$3.98	$96.02	$3.05	$96.95
$250	$9.22	$240.78	$7.18	$242.82
$500	$17.94	$482.06	$14.05	$485.95
$1,000	$35.39	$964.61	$27.80	$972.20
$5,000	$174.99	$4,825.01	$137.80	$4,862.20

PayPal: paypal checkout (us buyer) at 3.49% + 49¢. Anytime Capital: 2.75% + 30¢, or 2.5% + 30¢ for the first 90 days with the launch offer. Each fee rounded to the cent.

Work backwards

What to charge to receive an exact amount

What to charge so you receive each amount after PayPal fees, and after Anytime Capital's
To receive	Charge on PayPal	Charge on Anytime Capital
$25	$26.41	$26.02
$100	$104.12	$103.14
$500	$518.59	$514.45
$1,000	$1,036.67	$1,028.59
$5,000	$5,181.32	$5,141.70

The smallest charge, to the cent, that leaves at least the target after the fee: (target + fixed fee) ÷ (1 − percentage), rounded up.

Published rates

Every PayPal rate on a $100 payment

PayPal's published US rates and the fee each charges on a $100 payment
Payment	Published rate	Fee on $100	You receive
PayPal Checkout (US buyer)	3.49% + 49¢	$3.98	$96.02
Card payment (Expanded Checkout)	2.89% + 29¢	$3.18	$96.82
PayPal Checkout, international buyer	3.49% + 49¢, +1.5% international	$5.48	$94.52
In person (QR code or card)	2.29% + 9¢	$2.38	$97.62
Anytime Capital, US online card or wallet	2.75% + 30¢	$3.05	$96.95

PayPal's published US pricing as of October 2026. Launch offer: 2.5% + 30¢ for your first 90 days, $2.80 on $100.

How PayPal's fee is worked out

PayPal Checkout's fee is a percentage of the payment plus a fixed fee for US dollar payments: the amount × 0.0349 + $0.49. On a $60 sale that is $2.58, or 4.3% of the sale, and you receive $57.42.

The 49¢ fixed fee is the highest of the processors we compare, so PayPal's share of a small payment is large: $0.84 of a $10 sale, which is 8.4%. On $1,000 the fixed fee hardly matters and the fee is $35.39.

PayPal prices by product. The PayPal button is 3.49% + 49¢; card payments processed through Expanded Checkout are 2.89% + 29¢, though PayPal's fee table also lists 2.99% plus a fixed fee for standard card payments; in-person QR code and card payments are 2.29% + 9¢. International commercial transactions add 1.5%, and converting currency carries a 3% spread.

What to charge so you receive an exact amount

To net a set figure on PayPal Checkout, add the 49¢ fixed fee to the amount you want and divide by one minus 3.49%: charge = (target + $0.49) ÷ (1 − 0.0349). To receive $100, charge $104.12; to receive $500, charge $518.59. The calculator's “What to charge” mode works this out for any amount, rounded up to the cent.

Grossing up a price is different from adding a separate card surcharge. Surcharges are restricted by card-network rules and some state laws: they are capped, must be disclosed before payment and are not allowed on debit cards. Building the fee into your price, or invoicing large amounts by bank payment, avoids the question. This is general information, not legal advice.

PayPal fees this calculator leaves out

The calculator covers the fee on each payment. These are priced separately, per PayPal's published US fees as of October 2026:

Currency: 3% spread on currency conversion (4% on some conversions)
Disputes: $20 per chargeback
Instant transfers to a bank: not published for business accounts; PayPal's consumer fee page lists 1.75% (25¢ minimum, $25 maximum)
Monthly fee: $0

The same sale with Anytime Capital

For card and wallet payments, Anytime Capital Payments charges 2.75% + 30¢ against PayPal Checkout's 3.49% + 49¢: $3.05 rather than $3.98 on a $100 sale, and $27.80 rather than $35.39 on $1,000. PayPal's own card rate on Expanded Checkout, 2.89% + 29¢, is a cent cheaper than ours below about $7, and the calculator shows that too.

PayPal's strength is the button: buyers who trust it convert better when they see it. If your customers ask for PayPal, keep offering it. A PayPal option on Anytime Capital checkout is coming soon; today it takes cards, Apple Pay and Google Pay, under your own brand rather than PayPal's.

Beyond the feePayPal vs Anytime Capital: the full comparisonPayout speed, fraud tools, in-person options, support, and where PayPal is the better choice.

Launch offer

Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 days

Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Links, invoices and in-person payments from day one, payouts to your bank (instant where eligible), and QuickBooks Online or Xero sync.

Claim 2.5% + 30¢See pricing

2.75% + 30¢ online, 2.5% + 30¢ for 90 days
No monthly, setup or PCI fees
Payouts to your bank, instant where eligible
Live US business team

Payment processing

A complete payments stack, from your website to your bank account

Checkout, 3D Secure, risk rules and instant payouts in one product, at 2.75% + 30¢ per card or wallet payment, 2.5% + 30¢ for your first 90 days. No gateway to bolt on and no separate merchant account.

Your website
A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.
Checkout
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.
- AMEX
- ACH
3D Secure
Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.
Risk rules
Block card countries, cap amounts and decline high-risk scores before the card is charged.
Instant payout
Settled sales land in your Anytime Capital bank account, nights and weekends included.

Harbor & Pine · Wholesale order #1182$384.00 paid out to your bank account ••4821Processing

3D Secure and risk rules, in the dashboard

Payment rules in the Anytime Capital dashboard: block card countries, require 3D Secure on payments of $500 or more, and a maximum amount per payment

Add checkout to any website

<a href="https://anytime-capital.com/pay/business/pl_8fK2mQ"   data-anytime-pay="pl_8fK2mQ">Pay $384.00</a><script async src="https://anytime-capital.com/embed/anytime-pay.js"></script>

Customers pay in a secure window over your page. Where a builder strips scripts, the same link opens your hosted checkout on your own domain.

See payment processing

The real product

Invoices, checkouts and receipts your customers actually see

Every screen below is the Anytime Capital product, rendered with demo data: your logo and colours on the invoice, the checkout and the receipt, and the money in your account the minute it settles.

Anytime Capital product views, demo data.

One platform

Everything a business banks on, in one account

A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.

Operating account

Available

$482,310.55

Account: •••• 4821
Routing: •••• 0371
Receive by: ACH · Wire · RTP · FedNow

Weber FeinmechanikSEPA Instant€8,420.00Sending
Textiles OrtizSPEIMX$184,300Sending
Mehta Spice TradersUPI₹695,000Sending

Receive by ACH, wire, RTP and FedNow in your business's own name

Pay suppliers and contractors in 71 countries over the rail their bank already uses

SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money, with SWIFT everywhere else

Card sales land in the same balance the minute they settle

See the bank account

Docs and API

Integrate in an afternoon, or let your AI agent do it

A REST API, signed webhooks and an MCP server, with docs written to be pasted: every page is also Markdown, and each one comes with a prompt for your AI assistant.

MCP server: https://anytime-capital.com/api/mcp
Docs as one file: /docs/llms-full.txt

Read the quickstart All docs

Create a payment link

curl -X POST https://anytime-capital.com/api/v1/payment-links \
  -H "Authorization: Bearer $ANYTIME_API_KEY" \
  -H "Idempotency-Key: order-1042" \
  -H "Content-Type: application/json" \
  -d '{
    "title": "Consulting — October",
    "amountCents": 12500,
    "singleUse": true,
    "metadata": { "orderId": "1042" }
  }'

MCP connection

Let your AI agent run payments, with a key you can revoke

Our MCP server gives Claude, Cursor, GitHub Copilot, Gemini and OpenAI agents the same API your developers use: payments, payment links, invoices and customers, with the same limits and the same activity log.

ClaudeClaude Code & Desktop
CursorMCP server
GitHub CopilotMCP in VS Code
GeminiMCP in Gemini CLI
OpenAIMCP in the Agents SDK
WindsurfMCP server

48 tools

list_payments
get_payment
list_payment_links
create_payment_link
get_payment_link
update_payment_link
deactivate_payment_link
list_invoices
create_invoice
get_invoice
send_invoice
list_customers
create_customer
get_customer
update_customer
list_refunds
get_refund
create_refund
list_products
create_product
get_product
update_product
archive_product
list_subscription_plans
create_subscription_plan
get_subscription_plan
list_subscriptions
get_subscription
cancel_subscription
pause_subscription
resume_subscription
list_discount_codes
create_discount_code
get_discount_code
deactivate_discount_code
list_payouts
get_payout
get_balance
list_disputes
get_dispute
list_webhook_endpoints
create_webhook_endpoint
get_webhook_endpoint
update_webhook_endpoint
delete_webhook_endpoint
list_events
get_event
send_test_event

Connect the MCP server

Claude Code · harbor-and-pine

$ claude mcp add --transport http anytime-capital https://anytime-capital.com/api/mcp --header "Authorization: Bearer ak_live_…"

✓ Added HTTP MCP server anytime-capital

> Invoice Northwind Studio $2,400 for the October retainer, due in 14 days, and send it.

⏺ anytime-capital · create_invoice({ customerName: "Northwind Studio", lineItems: [{ description: "October retainer", quantity: 1, unitCents: 240000 }], dueDate: "2026-11-07", send: true })

⎿ Invoice sent to dana@northwind.studio · $2,400.00 due Nov 7 · reminders on

> How much did we take by card this week?

⏺ anytime-capital · list_payments({ createdFrom: "2026-10-19" })

⎿ 214 payments · $31,904.18 gross · 2 refunds

Developer settings in the Anytime Capital dashboard: API keys, including one for Claude over MCP, and a webhook endpoint

Questions