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PayPal Fees 2026

PayPal charges 2.9% + $0.30 per domestic US transaction. International sales add 1.5% for foreign-issued cards. Currency conversion adds 3% above the base rate. Our guides cover every PayPal fee with cost comparisons.

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Frequently Asked Questions

What are PayPal's merchant fees?

PayPal charges 2.9% + $0.30 per domestic US transaction. International sales add 1.5% for foreign-issued cards.

Does PayPal charge monthly fees?

No, standard PayPal Business accounts have no monthly fees. PayPal Working Capital offers loans with fees instead of monthly charges.

How much does PayPal charge for currency conversion?

PayPal adds 3% above the base exchange rate for currency conversion — one of the highest markups among payment processors.

Are PayPal fees higher than Stripe?

Domestic US fees are nearly identical (PayPal 2.9% + $0.30 vs Stripe 2.9% + $0.30). However, PayPal charges 3% for currency conversion vs Stripe's 1%.

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