--- title: "PayPal fee calculator for the UK" url: "https://trialvalid.com/paypal-fee-calculator/uk.md" canonical_url: "https://trialvalid.com/paypal-fee-calculator/uk" last_updated: "2026-10-19" type: "tool" summary: "A £100 UK sale at PayPal's standard rate costs £3.20 and leaves £96.80. Work out your own fee by payment type and buyer." related: ["https://trialvalid.com/paypal-fee-calculator.md", "https://trialvalid.com/paypal-fee-calculator/canada.md", "https://trialvalid.com/paypal-fee-calculator/australia.md", "https://trialvalid.com/pricing.md", "https://trialvalid.com/saas-metrics.md"] --- # PayPal fee calculator for the UK > **For AI agents:** the complete index of TrialValid pages is [llms.txt](https://trialvalid.com/llms.txt). Every page is also served as markdown at its URL plus .md. A £100 UK sale at PayPal's standard rate costs £3.20 and leaves £96.80. Work out your own fee by payment type and buyer. Example with the default inputs: | Input | Value | | --- | --- | | Payment amount | 100 | | How the buyer pays | All other commercial transactions (2.9% + £0.30) | | Buyer location | Buyer in the UK, Guernsey, Jersey or the Isle of Man | | Currency conversion (3% above the base rate) (adds 3%) | No | | Result | Value | | --- | --- | | Fee | £3.20 | | You keep | £96.80 | | Charge to keep the full amount | £103.30 | | Share lost to the fee | 3.2% | Working: 1. All other commercial transactions is 2.9% + £0.30. 2. The percentage part: 2.9% of £100.00 is £2.90, rounded half up to the smallest unit. 3. Add the fixed fee: £2.90 + £0.30 = £3.20. 4. The fee is £3.20, so you keep £100.00 - £3.20 = £96.80. 5. To keep the full £100.00, charge £103.30: the fee on that is £3.30, which leaves £100.00. ## How the UK fee is worked out A UK seller on PayPal pays a share of each payment plus a fixed amount in pence. On the standard rate that is 2.9% + £0.30, so a £100 payment loses £3.20 and leaves £96.80. The calculator rounds the share to the nearest penny first, then adds the fixed fee. In symbols: ```text fee = round(amount x rate) + fixed keep = amount - fee charge to keep a target T = the smallest c where c - fee(c) >= T ``` ## What each payment type costs on £50 | Payment type | Rate | Fee on £50 | You keep | | --- | --- | --- | --- | | All other commercial transactions | 2.9% + £0.30 | £1.75 | £48.25 | | Card payment without a PayPal account | 1.2% + £0.30 | £0.90 | £49.10 | | QR code payment, £10.01 and above | 1.5% + £0.10 | £0.85 | £49.15 | | QR code payment, £10.00 and below | 2% + £0.05 | £1.05 | £48.95 | | Buy now pay later (excludes PayPal Credit) | 3.9% + £0.30 | £2.25 | £47.75 | | Advanced credit and debit card payments (blended pricing) | 1.2% + £0.30 | £0.90 | £49.10 | | Micropayments, domestic | 5% + £0.05 | £2.55 | £47.45 | | Micropayments, international | 6% + £0.05 | £3.05 | £46.95 | ## Why small UK payments lose a bigger share The £0.30 fixed fee does not shrink with the sale. On a £1 sale the standard fee is £0.33, or 33.0% of the sale; on £250 it falls to 3.0%. | Payment | Standard fee | Share lost | You keep | | --- | --- | --- | --- | | £1.00 | £0.33 | 33.0% | £0.67 | | £2.00 | £0.36 | 18.0% | £1.64 | | £5.00 | £0.45 | 9.0% | £4.55 | | £10.00 | £0.59 | 5.9% | £9.41 | | £25.00 | £1.03 | 4.1% | £23.97 | | £50.00 | £1.75 | 3.5% | £48.25 | | £100.00 | £3.20 | 3.2% | £96.80 | | £250.00 | £7.55 | 3.0% | £242.45 | ## QR code payments and the £10 line QR code sales have their own two rates, so the amount decides which one applies. The table sets each QR payment beside the standard rate on the same amount. | Payment | QR rate applied | QR fee | Standard fee | | --- | --- | --- | --- | | £5.00 | 2% + £0.05 | £0.15 | £0.45 | | £10.00 | 2% + £0.05 | £0.25 | £0.59 | | £10.01 | 1.5% + £0.10 | £0.25 | £0.59 | | £20.00 | 1.5% + £0.10 | £0.40 | £0.88 | | £50.00 | 1.5% + £0.10 | £0.85 | £1.75 | ## Buyers outside the UK The Channel Islands and the Isle of Man (Guernsey, Jersey, Man) are treated as domestic. An EEA buyer adds 1.29% to the percentage, and any other buyer adds 1.99%. The fixed fee stays at £0.30. | Buyer location | Percentage | Fee on £100 | You keep | | --- | --- | --- | --- | | UK, Guernsey, Jersey, Isle of Man | 2.9% | £3.20 | £96.80 | | EEA | 4.19% | £4.49 | £95.51 | | Any other market | 4.89% | £5.19 | £94.81 | ## The tiered rate plan PayPal offers a tiered plan on request. The rate for a month follows the eligible commercial volume received in the month before, so a seller moves down a band as the shop grows. The fixed fee is unchanged. | Previous month volume | Percentage | Fee on £100 | Fee on £1,000 | | --- | --- | --- | --- | | Up to £4,000 | 2.9% | £3.20 | £29.30 | | £4,000 to £8,000 | 2.4% | £2.70 | £24.30 | | More than £8,000 | 2.1% | £2.40 | £21.30 | ## Micropayments for very small sales The micropayments rate (5% + £0.05) suits sales near the low end. It costs less than the standard rate up to £12.09 and more from £12.10. PayPal sets it by application, and once approved it covers every commercial payment received. ## Three worked UK examples | Case | Fee | You keep | Charge to keep the full amount | | --- | --- | --- | --- | | £250 from a buyer in the EEA, standard rate | £10.78 | £239.22 | £261.25 | | £8 QR code payment | £0.21 | £7.79 | £8.21 | | £40 sale on the micropayments rate | £2.05 | £37.95 | £42.16 | The first line shows the EEA surcharge: on £250 the fee is £10.78. The last line shows why micropayments stop paying off, since £40 is above the £12.10 crossover and the fee is £2.05 where the standard rate would take £1.46. ## Edge cases worth knowing - Card chargebacks outside a PayPal account carry a settlement fee of £14.00 on top of the sale being reversed. - The international surcharge does not apply to the micropayments rows, which have their own international rate of 6%. - American Express cards on the advanced card product have a separate rate that this tool does not model. - Rates apply to PayPal accounts registered in the UK, Guernsey, Jersey or the Isle of Man. Other markets have their own tables, for example the [PayPal fees for Canada](https://trialvalid.com/paypal-fee-calculator/canada.md) and [PayPal fees for Australia](https://trialvalid.com/paypal-fee-calculator/australia.md) pages. ## Questions ### How much does PayPal take from a £100 payment in the UK? On the standard commercial rate of 2.9% + £0.30, PayPal takes £3.20 and you keep £96.80. An EEA buyer adds 1.29% and takes the fee to £4.49; a buyer elsewhere adds 1.99% and takes it to £5.19. ### Why does a £10 QR code payment cost a different rate from £10.01? PayPal prices QR code payments in two bands. At £10.00 and below the rate is 2% + £0.05; from £10.01 it is 1.5% + £0.10. On £10.00 the fee is £0.25, and on £10.01 it is £0.25. ### What should I charge so I keep a full £100 after the fee? On the default settings, charge £103.30. The fee comes off the charge, not off your target, so the calculator searches for the smallest charge whose net is still £100.00 instead of adding £3.20 to the price. ### Is the micropayments rate cheaper for small sales? Up to £12.09 it is. Micropayments cost 5% + £0.05, against 2.9% + £0.30 on the standard rate, so the fixed fee is lower and the percentage is higher. At £12.10 the micropayment fee is £0.66 against £0.65. The rate is by application and then covers every commercial payment you receive. ### How does the tiered rate plan change the fee? It is optional and on request. The percentage is set by the previous calendar month's eligible volume: 2.9%, then 2.4%, then 2.1% as volume rises. On a £100 payment the fee is £3.20, then £2.70, then £2.40 across those bands. The calculator uses the standard rate, so use the table for the tiers. ### What happens if I convert the payment into another currency? PayPal states a conversion rate of 3% on top of the base exchange rate when a business balance is converted. Switching the conversion option on for a £100 standard payment lifts the percentage to 5.9% and the fee to £6.20. ## Related tools Compare against the [US PayPal fee calculator](https://trialvalid.com/paypal-fee-calculator.md), or see [PayPal fees for Canada](https://trialvalid.com/paypal-fee-calculator/canada.md) and [PayPal fees for Australia](https://trialvalid.com/paypal-fee-calculator/australia.md). If you process with Stripe or Square instead, the [Stripe fee calculator](https://trialvalid.com/stripe-fee-calculator.md) and [Square fee calculator](https://trialvalid.com/square-fee-calculator.md) run the same sums. ## Sources - [PayPal merchant fees, United Kingdom](https://www.paypal.com/uk/business/paypal-business-fees): read on 19 Oct 2026. PayPal prints "Last Updated: 1 October 2026" on the page. ## Related - [PayPal fee calculator](https://trialvalid.com/paypal-fee-calculator.md) - [PayPal fee calculator for Canada](https://trialvalid.com/paypal-fee-calculator/canada.md) - [PayPal fee calculator for Australia](https://trialvalid.com/paypal-fee-calculator/australia.md) - [Plans from $29 with a 14-day trial for $1](https://trialvalid.com/pricing.md) - [SaaS metrics glossary](https://trialvalid.com/saas-metrics.md)