PayPal and Square fee calculators
Work out what PayPal or Square takes from a payment, and what to charge so you receive the amount you want. Fees last checked 28 October 2026.
US rates at a glance
| Payment | Rate | Fee on $100 |
|---|---|---|
| PayPal Checkout | 3.49% + $0.49 | $3.98 |
| PayPal goods and services payment | 2.99% | $2.99 |
| Square in person (Free plan) | 2.6% + $0.15 | $2.75 |
| Square online (Free plan) | 3.3% + $0.30 | $3.60 |
| Square keyed in (Free plan) | 3.5% + $0.15 | $3.65 |
Fees last checked 28 October 2026 on PayPal’s and Square’s US fee pages.
Common questions
Which is cheaper, PayPal or Square?
For in-person card payments, Square’s Free plan at 2.6% + $0.15 is cheaper than PayPal Checkout at 3.49% + $0.49. On a $100 sale that is $2.75 against $3.98.
How do I make the customer cover the fee?
Use the reverse mode in either calculator. It divides the amount you want plus the fixed fee by one minus the rate. To receive $100 through PayPal Checkout, charge $104.12.