PayPal Fee Calculator European Union (2026 Updated Rates)
PayPal EU merchants pay 2.49% + €0.35 on domestic commercial transactions, plus 1.5% for cross-border sales and a 3-4% currency conversion spread.
Fee breakdown
| Platform | Total fees | Net | vs here | |
|---|---|---|---|---|
| PayPal (this page) | €2.84 | €97.16 | baseline | |
| Wise | €0.93 | €99.07 | +€1.91 More 🟢 | PK → |
| Stripe | €3.20 | €96.80 | −€0.36 Less 🔻 | PK → |
| Square | €3.20 | €96.80 | −€0.36 Less 🔻 | PK → |
| Lemon Squeezy | €5.50 | €94.50 | −€2.66 Less 🔻 | PK → |
| Paddle | €5.50 | €94.50 | −€2.66 Less 🔻 | PK → |
| Gumroad | €13.70 | €86.30 | −€10.86 Less 🔻 | PK → |
PayPal fee quick reference (2026)
| Amount | Total fees | You keep | Take rate | Charge to net it |
|---|---|---|---|---|
| €10.00 | €0.60 | €9.40 | 6.0% | €10.62 |
| €25.00 | €0.97 | €24.03 | 3.9% | €26.00 |
| €50.00 | €1.60 | €48.40 | 3.2% | €51.64 |
| €100.00 | €2.84 | €97.16 | 2.8% | €102.92 |
| €250.00 | €6.58 | €243.42 | 2.6% | €256.75 |
| €500.00 | €12.80 | €487.20 | 2.6% | €513.13 |
| €1,000.00 | €25.25 | €974.75 | 2.5% | €1,025.90 |
PayPal fee formula & hidden costs
payment processing 2.49% + €0.35
Worked example: €100.00 gross → €2.84 fees → €97.16 net. Reverse gross-up: charge = (target + fixed) / (1 − rate) → to net €100.00 charge €102.92.
Hidden fees to watch
- Cross-border commercial payments add +1.5% on top of the domestic rate.
- PayPal currency conversion applies a 3-4% markup over the wholesale exchange rate.
- On refunds PayPal returns the percentage portion but keeps the $0.49 fixed fee.
- Chargeback fees run $8-$20 per dispute on top of losing the sale.
- Instant transfers to a bank or card cost 1.75% (min $0.25, max $25).
Fee change history
How to pay less in PayPal fees
- Use the reverse calculator to pass fees to the client explicitly instead of eating them.
- Batch small orders — fixed per-order fees dominate sub-$10 transactions.
- Avoid currency conversion inside the platform; settle in your own currency via a multi-currency account.
- Compare Payoneer — Cross-border payouts and multi-currency receiving accounts.
Frequently asked questions
What is the PayPal fee on a €100 sale in European Union (€)?
On a €100.00 sale, PayPal deducts €2.84 total fees, leaving €97.16 — an effective take rate of 2.8%.
How much should I charge to receive exactly €100 after PayPal fees?
Charge €102.92: the €2.92 fee leaves exactly €100.00 net. Use the reverse tab above for any target.
What is the PayPal fee formula in European Union (€)?
payment processing 2.49% + €0.35. 2.49% + €0.35 Goods & Services (alt 1.79%). All figures verified 2026-11-10 against the official pricing page.
Does PayPal refund fees when a buyer is refunded?
Partly — PayPal returns the percentage portion but keeps €0.49 per refunded transaction.