How much PayPal Charge: How to Decrease or Avoid PayPal Fees

A good question to ask is how much PayPal charge. You are probably used to PayPal and its charges but has you ever calculated how much you lose to PayPal. Though when opening your account you are not charged or required to pay a fee. If you are not from the U.S. when shopping online there is a fee attached when you pay online.

Buying with PayPal is free when you purchase in the U.S. there is no fee when you sent it to family and friends within the U.S. but for those that live aside from the U.S, there is a charge attached. When you get paid into your account PayPal charges a percentage of the money you receive. When you withdraw your money from PayPal there is a charge and so on.

How Much PayPal Charge

How Much PayPal Charge

PayPal is charging a 2.9 percent fee from the total amount of each payment that is received from the U.S., in addition, there is also a 30 cent flat fee on each transaction. For funds been received from other countries outside the U.S. plus a fixed fee that varies depending on the country the payment is coming from. The fee is charged to the recipient, not the person paying for goods and services.

How to Decrease or Avoid PayPal Fees

Here are several ways to reduce or avoid PayPal fees.

Opt to be Paid Less Often

Been paid often can help you avoid cash-flow problems in your business. But this is a major problem because each transaction is charged 30 cents plus 2.9 percent of the amount you receive from U.S based clients.

For fees received from outside the U.S, the fee for each transaction is 4.4 percent plus a fixed fee that varies depending on the country where funds are coming from. By opting to be paid once a month you will avoid those one-time transaction PayPal fees. And yes it is only 30 cents per transaction but savings is savings.

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Change How You Withdraw Money from PayPal

To access your money faster request a free PayPal debit MasterCard. This will allow you to access your money right away. The card has no fee for use at any retailer that takes debit cards. You can also use the card at ATMs to withdraw cash. But using your card at an ATM may result in fees.

Transfer money from PayPal directly to your bank account using this method to access your money is free with no fee. Plus PayPal has sped up the time it takes to transfer the money to your bank account.

Add PayPal Fees into your Payment Equation

This will not really reduce your PayPal fees but it helps. You can add the PayPal fee and this will help you cover those fees so you are still making the original amount after the fees are taken out of your earnings. Another way to avoid the fees is to ask your customers to pay the fee instead. Most clients are okay with it.

Add PayPal fees as an Expense on Your Tax Return

This will not lower your PayPal fees you pay throughout the year but it will help you lower your tax bill so you can keep more of your money that way instead. All you have to do is add how much you paid in PayPal fess throughout the year and include that amount on your Schedule C.


Using these methods with your PayPal account will help you save more of your hard-earned money. Even if the fees are not reduced you will still have some returns.


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