🅿️ PayPal Goods & Services fee calculator — +400% searches in 2026 — Compare with Stripe →
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USA: 2.99%  ·  UK: 2.9% + £0.30

PayPal Goods and Services Fee Calculator (2026)

Calculate the exact PayPal Goods & Services fee on any transaction. See why G&S is required for all business payments — and exactly how much you'll receive after fees.

💡 G&S vs PayPal Checkout: when a buyer sends you money as "Goods and Services" from their PayPal account, US sellers pay 2.99% with no fixed fee. If they pay through a PayPal button on your website (PayPal Checkout), it's 3.49% + $0.49 — use our main PayPal calculator for that. International senders add 1.5%. Rates from PayPal's fee page, checked October 2026.
PayPal G&S Fee Calculator
⚠️ Always use G&S for business. F&F has no buyer/seller protection.
$
NetFee
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PayPal G&S Fee Breakdown
Gross Amount$100.00
PayPal G&S Fee (0%)−$0.00
↳ % component (2.99%)−$0.00
↳ fixed component−$0.00
You Receive (Net)$0.00
To receive this amount, charge: $103.08
G&S vs F&F

Goods & Services vs Friends & Family — Key Differences

FeatureGoods & Services (G&S)Friends & Family (F&F)
Fee (USA)2.99%Free (bank/balance)
Buyer protection✅ Full protection❌ None
Seller protection✅ Full protection❌ None
For business use✅ Required❌ Violates ToS
Dispute resolution✅ PayPal mediates❌ Not available
Account ban riskNone🔴 High if used for business
⚠️ Important: Using Friends & Family for business transactions violates PayPal's Terms of Service. PayPal can permanently ban your account and hold your funds for up to 180 days. Always use Goods & Services for any payment where goods or services are exchanged.
Examples

PayPal G&S Fee Examples — USA (2.99%)

$25
G&S fee−$0.75
You receive$24.25
$50
G&S fee−$1.50
You receive$48.50
$100
G&S fee−$2.99
You receive$97.01
$500
G&S fee−$14.95
You receive$485.05
$1,000
G&S fee−$29.90
You receive$970.10
$5,000
G&S fee−$149.50
You receive$4,850.50
FAQ

Frequently Asked Questions

PayPal Goods and Services (G&S) charges 2.99% per transaction in the USA. It has no fixed fee and includes buyer and seller protection. Note this is different from PayPal Checkout on a website (3.49% + $0.49) — the G&S rate applies when someone sends you money for goods or services from their PayPal account. On $100, the fee is $2.99.
Using PayPal Friends and Family for business payments violates PayPal's Terms of Service. It removes buyer and seller protection, and PayPal can permanently ban accounts found using F&F for commercial transactions. Always use Goods and Services for business.
Goods and Services (G&S): 2.99% fee, includes buyer and seller protection, required for all business transactions. Friends and Family (F&F): Free (bank funded), no protection, for personal transfers only.
The PayPal Goods and Services fee is charged to the seller (recipient). The buyer pays the full amount and the seller receives the amount minus PayPal's fee. Sellers cannot legally charge buyers extra to cover the fee in most jurisdictions.
Use this formula: Fee = Amount × 2.99%. Net = Amount − Fee. To receive exactly $100, charge $100 ÷ 0.9701 = $103.08.
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