PayPal Fee Calculator

The mid-market rate (also called interbank rate) is the midpoint between global buy and sell prices for a currency pair. It's the rate you see on Google, Xe and Reuters. Payment providers almost never pass this rate through — they typically add a 2–4% markup on top.

Wise generally has the lowest total cost (transparent fee + true mid-market rate). PayPal is the most expensive (transaction fee + $0.49 + FX markup). Payoneer sits in the middle and varies by corridor. Use our calculators for an apples-to-apples comparison on your exact amount.

Yes. Every calculator on FlowRate is free. No signup required. We may earn a small affiliate fee from partner providers when you open an account — but our calculators show the same estimate regardless of affiliation.

Yes. PayPal publishes fee tables per region. Standard international goods fees range from 2.99% to 4.99% + fixed fee per currency. Merchant accounts, micropayment tiers and charity rates are different.

The cross-border fee applies when the buyer and seller are in different countries/regions. It's an extra 1–3.5% on top of the standard fee, and is baked into the total fees our calculator shows.