PayPal Reverse Fee Calculator
Quick answer: To keep $50 from the item on PayPal, charge about $52.50 with $5 shipping charged to the buyer. Enter your own target below.
How it works
PayPal Checkout costs 3.49% + $0.49 per US domestic transaction. Some card payments processed through PayPal are listed at 2.99% + $0.49, so confirm which rate applies to your account.
Because the fee depends on the price, the calculator searches for the lowest price where price minus PayPal fees equals your target.
Example
| You want to keep | Charge on PayPal |
|---|---|
| $20 | $21.42 |
| $50 | $52.50 |
| $100 | $104.31 |
Shipping charged to buyer is $5. The fee applies to the total you receive, including shipping. This calculator uses the 3.49% + $0.49 Checkout rate.
Frequently asked questions
How do I price to cover PayPal fees?
Enter the amount you want to keep. The calculator returns the item price that covers the fees.
What should I charge to keep $50 on PayPal?
About $52.50 with $5 shipping charged to the buyer.
Is PayPal more expensive than Stripe?
For standard US online sales, yes. On a $100 sale PayPal Checkout costs $3.98 and Stripe costs $3.20.
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Estimates only, based on US seller rates. Fee rates change, so verify them on the official pricing page. Rates last verified October 5, 2026 against each platform's published fees and independent fee guides. How we verify rates.