PayPal Fee Calculator United Kingdom (2026 Updated Rates)
PayPal UK domestic commercial transactions cost 2.9% + 30p — cheaper than the US 3.49% rate. Cross-border payments add 1.5% and PayPal currency conversion carries a 3-4% markup.
Fee breakdown
| Platform | Total fees | Net | vs here | |
|---|---|---|---|---|
| PayPal (this page) | £3.20 | £96.80 | baseline | |
| Wise | £0.93 | £99.07 | +£2.27 More 🟢 | PK → |
| Stripe | £3.20 | £96.80 | +£0.00 More 🟢 | PK → |
| Square | £3.20 | £96.80 | +£0.00 More 🟢 | PK → |
| Lemon Squeezy | £5.50 | £94.50 | −£2.30 Less 🔻 | PK → |
| Paddle | £5.50 | £94.50 | −£2.30 Less 🔻 | PK → |
| Gumroad | £13.70 | £86.30 | −£10.50 Less 🔻 | PK → |
PayPal fee quick reference (2026)
| Amount | Total fees | You keep | Take rate | Charge to net it |
|---|---|---|---|---|
| £10.00 | £0.59 | £9.41 | 5.9% | £10.61 |
| £25.00 | £1.03 | £23.97 | 4.1% | £26.06 |
| £50.00 | £1.75 | £48.25 | 3.5% | £51.81 |
| £100.00 | £3.20 | £96.80 | 3.2% | £103.30 |
| £250.00 | £7.55 | £242.45 | 3.0% | £257.78 |
| £500.00 | £14.80 | £485.20 | 3.0% | £515.25 |
| £1,000.00 | £29.30 | £970.70 | 2.9% | £1,030.18 |
PayPal fee formula & hidden costs
payment processing 2.90% + £0.30
Worked example: £100.00 gross → £3.20 fees → £96.80 net. Reverse gross-up: charge = (target + fixed) / (1 − rate) → to net £100.00 charge £103.30.
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 United Kingdom (£)?
On a £100.00 sale, PayPal deducts £3.20 total fees, leaving £96.80 — an effective take rate of 3.2%.
How much should I charge to receive exactly £100 after PayPal fees?
Charge £103.30: the £3.31 fee leaves exactly £100.00 net. Use the reverse tab above for any target.
What is the PayPal fee formula in United Kingdom (£)?
payment processing 2.90% + £0.30. 2.9% + 30p Goods & Services (alt 1.9%). 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.