Fee calculator · rates checked October 2026
PayPal fee calculator (India)
Receiving money from abroad on a PayPal India business account costs 4.4% plus a fixed fee, and PayPal converts it to rupees at its own rate (3% above the base rate). Here's what actually reaches your bank.
You keep
₹89,172
from $1,000.00. At the mid-market rate it would be ₹97,000, so you lose ₹7,828 (8.1%).
| Payment received | $1,000.00 |
| PayPal fee (4.4% + USD 0.30) | − $44.30 |
| GST on the fee (18%) | − $7.97 |
| Conversion spread (3%) | − $28.43 |
| You keep | $919.30 |
- Your bank may also charge a small fee per credit.
- Ask for an e-FIRA / FIRC for each payment; you need it to prove export income.
What should I charge?
Charge
$1,087.76
This charge leaves $1,000.00 after PayPal's fees and spread, measured at the mid-market rate.
Rates checked against PayPal India merchant fees in October 2026. Exchange rates are approximate (live rates unavailable). Estimates, not financial advice.
Good to know
- The fixed fee depends on the currency you receive: USD 0.30, EUR 0.35, GBP 0.20.
- PayPal's rate is about 3% worse than the mid-market rate you see on Google. That's often a bigger cost than the 4.4% fee itself.
- Compare with the India payouts calculator to see what Wise, Skydo, Razorpay or a merchant of record would leave you with.
Source: PayPal India merchant fees. Platforms change fees; check before relying on these numbers.