{"success":true,"version":"v1","request":{"tool":"get_calculator_schema","calculator_id":"paypal-fee"},"result":{"entity_type":"calculator","id":"paypal-fee","calculator_id":"paypal-fee","canonical_url":"https://tttkmbb.com/business/paypal-fee","name":"PayPal Fee Calculator","title":"PayPal Fee Calculator – US Merchant Fees (3.49 % + $0.49 Checkout) and Amount to Charge","category":"business","category_name":"Business & Marketing","tool_name":"calculate_paypal_fee","featured_mcp_tool":false,"description":"Computes the PayPal fee and net amount for a US sale using the published US merchant rates (as of 2026-09: PayPal Checkout 3.49 % + $0.49, standard card 2.99 % + $0.49, goods & services 2.99 %, QR code 2.29 % + $0.09, +1.50 % international), or the gross amount to charge to net a target; rates can be overridden.","use_when":"You sell or invoice through PayPal in the US and need the fee, what you will receive, or what to charge so that you receive a specific amount.","do_not_use_when":"The account is outside the US or uses micropayment, non-profit or custom negotiated rates (enter those with rate_percent and fixed_fee), or you need Stripe (stripe-fee), eBay (ebay-fee) or Etsy (etsy-fee) fees.","inputs":[{"name":"amount","label":"Amount","type":"number","unit":"USD","required":true,"max":1000000000,"exclusive_min":0,"description":"Gross sale amount (or, with solve_for = amount_to_charge, the net amount you want to receive).","example":100},{"name":"transaction_type","label":"Transaction type","type":"enum","required":false,"default":"checkout","values":[{"value":"checkout","label":"PayPal Checkout, Pay with Venmo, invoicing via PayPal (3.49 % + $0.49)","aliases":["paypal_checkout","venmo","invoice","standard"]},{"value":"standard_card","label":"Standard credit/debit card payment, Apple Pay (2.99 % + $0.49)","aliases":["card","credit_card","debit_card","advanced"]},{"value":"goods_and_services","label":"Send/receive money for goods and services (2.99 %, no fixed fee)","aliases":["goods","services","goods_services"]},{"value":"qr_code","label":"QR code transaction (2.29 % + $0.09)","aliases":["qr"]}],"description":"Which published US commercial rate to apply.","example":"checkout"},{"name":"international","label":"International transaction","type":"boolean","required":false,"default":false,"description":"Buyer outside the US: adds 1.50 % to the rate (currency conversion fees are not included).","example":false},{"name":"rate_percent","label":"Rate override","type":"number","unit":"%","required":false,"min":0,"max":50,"description":"Optional percentage rate to use instead of the preset (e.g. a negotiated or non-US rate).","example":3.49},{"name":"fixed_fee","label":"Fixed fee override","type":"number","unit":"USD","required":false,"min":0,"max":100,"description":"Optional fixed fee per transaction to use instead of the preset.","example":0.49},{"name":"solve_for","label":"Solve for","type":"enum","required":false,"default":"fee_on_amount","values":[{"value":"fee_on_amount","label":"Fee on the amount charged (amount = gross sale)","aliases":["fee","net"]},{"value":"amount_to_charge","label":"Amount to charge so that you net the amount (amount = target net)","aliases":["gross","charge"]}],"description":"fee_on_amount treats amount as the gross charge and returns the fee and net; amount_to_charge treats amount as the net you want to receive and returns the gross price to charge.","example":"fee_on_amount"}],"outputs":[{"name":"rate_percent_applied","label":"Rate applied","type":"number","unit":"%","decimals":2,"description":"Percentage fee rate used (preset plus surcharges, or the override)."},{"name":"fixed_fee_applied","label":"Fixed fee applied","type":"number","decimals":2,"description":"Fixed fee per transaction used."},{"name":"gross_amount","label":"Gross amount charged","type":"number","decimals":2,"description":"Amount the buyer pays."},{"name":"fee","label":"Total fee","type":"number","decimals":2,"description":"gross_amount × rate + fixed fee."},{"name":"net_amount","label":"Net received","type":"number","decimals":2,"description":"gross_amount − fee."},{"name":"effective_fee_percent","label":"Effective fee","type":"number","unit":"%","decimals":2,"description":"fee / gross_amount × 100 (the fixed fee makes small sales relatively more expensive)."}],"input_schema":{"type":"object","properties":{"amount":{"description":"Gross sale amount (or, with solve_for = amount_to_charge, the net amount you want to receive). Unit: USD.","type":"number","maximum":1000000000,"exclusiveMinimum":0,"examples":[100],"x-unit":"USD"},"transaction_type":{"description":"Which published US commercial rate to apply.","type":"string","enum":["checkout","standard_card","goods_and_services","qr_code"],"default":"checkout","examples":["checkout"]},"international":{"description":"Buyer outside the US: adds 1.50 % to the rate (currency conversion fees are not included).","type":"boolean","default":false,"examples":[false]},"rate_percent":{"description":"Optional percentage rate to use instead of the preset (e.g. a negotiated or non-US rate). Unit: %.","type":"number","minimum":0,"maximum":50,"examples":[3.49],"x-unit":"%"},"fixed_fee":{"description":"Optional fixed fee per transaction to use instead of the preset. Unit: USD.","type":"number","minimum":0,"maximum":100,"examples":[0.49],"x-unit":"USD"},"solve_for":{"description":"fee_on_amount treats amount as the gross charge and returns the fee and net; amount_to_charge treats amount as the net you want to receive and returns the gross price to charge.","type":"string","enum":["fee_on_amount","amount_to_charge"],"default":"fee_on_amount","examples":["fee_on_amount"]}},"additionalProperties":false,"required":["amount"]},"output_schema":{"type":"object","properties":{"rate_percent_applied":{"description":"Percentage fee rate used (preset plus surcharges, or the override). Unit: %.","type":"number","x-unit":"%"},"fixed_fee_applied":{"description":"Fixed fee per transaction used.","type":"number"},"gross_amount":{"description":"Amount the buyer pays.","type":"number"},"fee":{"description":"gross_amount × rate + fixed fee.","type":"number"},"net_amount":{"description":"gross_amount − fee.","type":"number"},"effective_fee_percent":{"description":"fee / gross_amount × 100 (the fixed fee makes small sales relatively more expensive). Unit: %.","type":"number","x-unit":"%"}}},"formula":"fee = gross × rate/100 + fixed; net = gross − fee; amount to charge for a target net: gross = (net + fixed) / (1 − rate/100)","method":"Rates are PayPal's published US domestic commercial rates as of 2026-09 (international +1.50 %); PayPal changes fees periodically, so verify against the source page and override with rate_percent / fixed_fee when needed.","sources":[{"name":"PayPal – Merchant fees (United States), as of 2026-09","url":"https://www.paypal.com/us/business/paypal-business-fees","type":"reference","retrieved_at":"2026-09-24"},{"name":"PayPal – PayPal merchant fees","url":"https://www.paypal.com/us/webapps/mpp/merchant-fees","type":"reference","retrieved_at":"2026-09-24"}],"freshness":{"type":"static","max_age_seconds":null,"note":"Deterministic formula with fixed constants; results never go stale. Inputs supplied by the caller determine the output."},"examples":[{"name":"$100 via PayPal Checkout","inputs":{"amount":100},"expected":{"rate_percent_applied":3.49,"fixed_fee_applied":0.49,"gross_amount":100,"fee":3.98,"net_amount":96.02,"effective_fee_percent":3.98},"url":"https://tttkmbb.com/api/v1/calculate/paypal-fee?amount=100"},{"name":"Charge so that $500 is received (Checkout)","inputs":{"amount":500,"solve_for":"amount_to_charge"},"expected":{"gross_amount":518.59,"fee":18.59,"net_amount":500},"url":"https://tttkmbb.com/api/v1/calculate/paypal-fee?amount=500&solve_for=amount_to_charge"}],"faq":[{"q":"Which rate applies to a friends-and-family payment?","a":"None: personal payments funded by PayPal balance or bank are free in the US. Goods-and-services payments to a business are charged 2.99 %."},{"q":"Does the calculator include currency conversion?","a":"No. PayPal adds a currency conversion spread (typically 3–4 %) on top of the 1.50 % international fee when the buyer pays in another currency."}],"tags":["paypal fee calculator","paypal fees","paypal net amount","how much does paypal take","paypal invoice fee"],"related":[{"calculator_id":"stripe-fee","reason":"Same calculation with Stripe's card-processing rates."},{"calculator_id":"ebay-fee","reason":"eBay final value fees (eBay handles payments separately)."},{"calculator_id":"etsy-fee","reason":"Etsy transaction and payment processing fees."}],"links":{"html":"https://tttkmbb.com/business/paypal-fee","markdown":"https://tttkmbb.com/business/paypal-fee.md","json":"https://tttkmbb.com/business/paypal-fee.json","api":"https://tttkmbb.com/api/v1/calculate/paypal-fee","schema":"https://tttkmbb.com/api/v1/calculators/paypal-fee","openapi":"https://tttkmbb.com/openapi.json","mcp":"https://tttkmbb.com/mcp"},"version":"v1","updated_at":"2026-09-24"},"timestamp":"2026-09-24T01:48:39Z"}