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SmartCalcWorks

PayPal Fee Calculator

Calculate PayPal fees on payments for goods and services, see what you will actually receive, or work out how much to invoice to receive a set amount. Presets use PayPal’s published commercial rates for New Zealand accounts; switch to a custom rate for any other arrangement.

Estimates only

Actual fees depend on your PayPal account, the payment type, where your buyer is, the currency you receive and PayPal’s current terms.
What do you want to calculate?

Your desired net amount after fees.

New Zealand · Commercial — receiving domestic payments

3.4% + $0.45 per transaction (NZD)

  • For goods and services paid by a buyer in New Zealand.
  • Fixed fee depends on the currency received (NZD 0.45).

Last verified: 18 October 2026 · PayPal New Zealand — Merchant & Business Fees(opens in a new tab)

%

For example 2.65 for 2.65%.

NZD

In the transaction currency.

Tick if the payment must be converted to another currency before payout.

Optional: tax on fees and extra commission
%

Only if your provider adds tax (e.g. GST) to its fees on your invoice. Leave blank if fees already include tax.

%

E.g. a platform or agent commission.

NZD

Results update as you type.

Results

Charge your customer

$103.99

You want to receive
$100.00
Estimated PayPal fee
$3.99
Expected net proceeds
$100.00
Difference caused by roundingCharge is rounded up to the smallest currency unit
$0.00
Effective fee rate
3.84%
Estimates only. Actual fees depend on your PayPal account, payment method, country and applicable pricing terms.

How the PayPal fee is calculated

PayPal charges a percentage of each commercial payment plus a fixed fee that depends on the currency you receive:

fee = amount × percentage_rate + fixed_fee
net = amount − fee
required_charge = (target_net + fixed_fee) ÷ (1 − percentage_rate)

Domestic and international payments use different percentages. A payment counts as international when you and your buyer are based in different countries.

Worked examples (NZ account, NZD)

ScenarioCalculationResult
NZ$200 from a buyer in New Zealand200 × 3.40% + 0.45Fee NZ$7.25, you receive NZ$192.75
NZ$200 from a buyer overseas200 × 4.40% + 0.45Fee NZ$9.25, you receive NZ$190.75
Invoice needed to receive NZ$500 (domestic)(500 + 0.45) ÷ 0.966Invoice NZ$518.07

Assumptions and limitations

  • Presets cover PayPal’s standard commercial transaction rates for New Zealand accounts. Card processing products, micropayment pricing, charity rates and negotiated merchant rates are not included — use a custom rate for those.
  • The fixed fee is set by the currency you receive, as listed in PayPal’s fixed-fee table.
  • Currency conversion is modelled as an extra 3% on the payment. In reality PayPal builds the spread into its exchange rate, so treat this as an approximation.
  • PayPal may round fees differently. Check a real transaction in your account to confirm.

Comparing providers

If you’re choosing how to accept payments, run the same amount through the Stripe fee calculator as well. Remember to compare like for like — domestic vs international, online vs in person — and consider payout speed, disputes and customer preferences, not just the headline rate.

Official source

Frequently asked questions

What are PayPal’s fees for New Zealand businesses?

When we last checked PayPal’s New Zealand merchant fees page, receiving a domestic commercial payment cost 3.40% plus a fixed fee based on the currency received (NZ$0.45 for NZD). Payments from buyers in other countries were 4.40% plus the fixed fee. PayPal updates its fees from time to time, so confirm on the official page.

How much should I invoice so I receive a set amount after PayPal fees?

Add the fixed fee to the amount you want, then divide by one minus the percentage. For NZ$500 at 3.40% + NZ$0.45: (500 + 0.45) ÷ 0.966 = NZ$518.07 (rounded up to the next cent).

Does PayPal charge for currency conversion?

Yes. PayPal applies a currency conversion spread above its base exchange rate when it converts money for you. For New Zealand accounts receiving payments, PayPal listed this as 3% when we checked. Tick the conversion option to include it.

Are personal payments to friends and family covered?

No. This calculator models commercial transactions — payments for goods and services. Personal transfers have their own fee rules on PayPal’s site.

Is SmartCalcWorks connected to PayPal?

No. SmartCalcWorks is independent and is not affiliated with or endorsed by PayPal. Fees are taken from PayPal’s public fee page and dated.

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