If you are using or planning to use PayPal, a payment system to send and receive money, you probably want to know how much is the PayPal fee for $100 or more. This is especially important if you plan to receive payments or pay for services using the PayPal platform.
PayPal charges between 1.99% to 4.99% depending on the type of transactions merchants make. For $100, you will have to pay between $3.98 to $6.58 fee depending on the type of transaction.
However, sending and receiving personal payments between friends and family from a PayPal balance or bank account in the USA is not charged. PayPal is transparent about its fees, and there are fee calculators you can use to see how much you will be charged per transaction.
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When Does PayPal Charge Fees?
PayPal is the most popular payment system in the world – it allows sending of funds between people and merchants. You can even use PayPal as a credit card or pay for online services and purchases. For these services, PayPal charges certain fees, and these fees vary depending on the type of account you have.
PayPal doesn’t charge any fee for opening and verifying an account. Also, if you send and receive personal payments in the US from a PayPal balance or bank account, you will not be charged any fee as well. Paying for goods and services won’t incur a fee, but if you receive payments for goods and services, you will be charged a fee. Also, international payments will be charged.
If you send personal international transactions, you will be charged a fee. Here is how much you will pay for international transactions and domestic personal transactions via card:
- Domestic personal transactions via cards: No fee (if funded in EEA in EUR/SEK) or 3.4% + fixed fee where available.
- PayPal Balance or Bank account: 1.99 EUR for Canada and EU and 4.99 USD for other markets.
- Cards: For Canada and EU, 1.99 EUR – 3.99 EUR, and 4.99 USD + 3.4% + fixed fee for other markets
PayPal Merchant Fees?
As you can see, for most personal transactions, you will not be charged any fee, but if you are using PayPal for commercial purposes, you will be charged fees. These fees will vary depending on whether a transaction is domestic or international and what kind of invoice you are sending.
PayPal Domestic Merchant Fees
As you know, PayPal must report to the IRS if you receive more than $600, and this applies to other payment apps like Venmo, Cash App, and even PayPal Card. All the received payments will be considered as income regardless of whether you have earned that money or received it as a gift.
Even though PayPal has transaction options you can put, like donations or personal transactions, this will not prevent the IRS from sending you a 1099-K form. However, the fees will be different for different invoices. Here is how much you will pay for $100 depending on a transaction in the US.
| Type of transaction | PayPal Fee | How much you will pay for $100 |
| Invoicing, PayPal Checkout, Venmo | 3.49% + $0.49 | $3.98 |
| Goods, services, donations | 2.89% + $0.49 | $3.38 |
| Credit and debit cards | 2.99% + $0.49 | $3.48 |
| Charity | 1.99% + $0.49 | $2.48 |
| Micropayment | 4.99% + $0.09 | $5.08 |
| PayPal Guest Checkout – American Express payments | 3.5% | $3.50 |
| QR code – $10.01 and above | 1.9% + $0.1 | $2.00 |
| QR code – $10 and below | 2.4% + $0.05 | $2.45 |
International Commercial Fees Are Bigger
When sending and receiving money internationally, your fees will be bigger depending on the transactions you make. Also, the fees will be different depending on whether you are receiving money from foreign countries or sending it to another country. Fees are different for each country, and there will be conversion fees as well, depending on the currency that the account and country accept. To find out all about the fees for international transactions, the best is to go on the PayPal website and see fees for each country there. Here are the fees you will pay depending on the transaction in USD.
| Type of transaction | PayPal Fee | How much you will pay for $100 |
| Invoicing, PayPal Checkout, Venmo | 4.99% + $0.49 | $5.48 |
| Goods, services, donations | 4.39% + $0.49 | $4.88 |
| Credit and debit cards | 4.49% + $0.49 | $4.98 |
| Charity | 3.49% + $0.49 | $3.98 |
| Micropayment | 6.49% + $0.09 | $6.58 |
How to Calculate the “Ask for Amount”? Use PayPal Calculator
As you know when sending or receiving money, the processing fees will be charged from that amount, so if you wish to send or receive exactly $100, you will have to pay more to cover the fees. When you send an invoice with the amount you wish to receive, in this case, $100, you need to first calculate the fee. There are thousands of PayPal calculators online that can easily do this for you. Here is how much you will have to ask for when transactions are domestic.
| Transaction | You will receive | You should ask for |
| Invoicing, PayPal Checkout, Venmo | $96.02 | $104.12 |
| Credit and debit cards | $96.52 | $103.59 |
| Goods, services, donations | $96.62 | $103.48 |
| Charity | $97.52 | $102.53 |
| Micropayment | $94.92 | $105.35 |
| PayPal Guest Checkout – American Express payments | $96.50 | $103.63 |
| QR code – $10.01 and above | $98.00 | $102.04 |
| QR code – $10 and below | $97.55 | $102.51 |
US International transaction:
| Transaction | You will receive | You should ask for |
| Invoicing, PayPal Checkout, Venmo | $94.52 | $105.77 |
| Credit and debit cards | $95.02 | $105.21 |
| Goods, Services, Donations | $95.12 | $105.10 |
| Charity | $96.02 | $104.12 |
| Micropayment | $93.42 | $107.04 |
Is PayPal Expensive?
If you are using PayPal for personal transactions, as you can see, you will not be charged any fees. However, merchants will have to cover some fees. But these are not significantly larger than fees you will be charged from a bank and third-party companies. With PayPal, you will have an online gateway process and this payment can be good if you don’t have many transactions.