Free tool
PayPal fee calculator
PayPal Checkout runs 3.49% + $0.49 per US transaction — a higher headline than Stripe, but a wallet many buyers already trust with their card details.
Source on GitHubYour sales
PayPal rate card
Estimated monthly cost
200 transactions / month
- Provider fees
- $484.50
- You keep
- $9,515.50
- Effective rate
- 4.85%
Published PayPal fees
The rate card the calculator starts from — confirm current numbers on PayPal's official pricing page before you commit.
| Card rate | 3.49% + $0.49 |
|---|---|
| International cards | +1.5% |
| Subscriptions | None |
| Merchant of record | No — you register and remit |
Things to know about PayPal
- PayPal is a payment processor, not a merchant of record — you remain the seller, so sales tax and VAT registration stay on you.
- +1.5% on transactions paid by cards issued outside the US.
- Standard credit and debit card payments through Expanded Checkout price lower — 2.99% + $0.49.
Common questions about PayPal fees
- How much does PayPal charge per transaction?
- The published rate is 3.49% + $0.49 per successful transaction, before the surcharges listed above. Rates current as of October 2026 — confirm on the official pricing page.
- Does PayPal handle sales tax and VAT?
- No — PayPal is a payment processor. You remain the seller of record and handle tax registration and remittance yourself (a merchant of record like Paddle, Polar or Creem does it for you).
- What does PayPal cost at $10k/month?
- It depends on your average ticket and international share — the calculator above is prefilled with $10,000/month. As a rough guide, published fees land between about $300 and $650 at that volume.
- Which billing providers does supastack support?
- All eight on this site — Stripe, PayPal, Lemon Squeezy, Paddle, Polar, Creem, Dodo Payments and Whop ship as prewired adapters behind one billing contract, so you can switch providers without rebuilding checkout.
Loved byfounders worldwide.
I'm a marketer, not a full-time developer. Supastack brings auth, workspaces, billing, BYOK AI, email and themes together in one codebase. The AGENTS.md and prompts help me start building with Claude Code without learning every corner of the repo. Solid base for AI SaaS.
bynikojuliuspnpm verify:local, the theme packs and the block library helped me restyle my whole marketing site quickly. The kit is easy to work with.
UniverseWhile building Skin Profile, I could see how auth, billing, jobs and the AI router are configured. It feels complete.
Ka-Chun-MaMaybe you?
Start buildingI'm building Lixing, a local-first reflection app. I ran the monorepo on Windows and pulled four patterns into my app: config, secure license storage, entitlements and a paywall. The port passed 26 tests behind a feature flag before touching production. I don't need auth or billing today, but I know where to look when Lixing needs a backend.
PengGangjieI'm using Supastack for my app's backend now. I wish I'd had it from the start. It would have saved me even more work.
OpenMargin24I went through the repo in depth and ran the Rust tests. Few boilerplates ship a desktop option, so Supastack feels like a dream come true. The boundaries are written down and the code honors them — the desktop app never forks the web app's UI or auth.
Raven S.I'm not a coder, but Supastack's extensive documentation has taught me so much. I'm already building a landing page for my site, cutviee.com, even though I started with zero coding knowledge. It's truly beginner-friendly.
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