PayPal Goods & Services vs Friends & Family
Side-by-side PayPal Goods & Services (2.99% US commercial) vs Friends & Family (no fee when funded from balance or bank domestically)—using PayPal’s published consumer and business fee pages.
Goods & Services 2.99% · Friends & Family 0% (balance/bank)
Rates checked October 6, 2026. Source: PayPal US business fees; PayPal US consumer fees.
Business Checkout rates: PayPal US fee calculator. UK merchants: PayPal UK fee calculator.
How the fee is calculated
Goods & Services: fee = round(amount × 2.99%). Friends & Family (US, balance/bank): fee = $0; recipient net equals the payment amount.
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Uses the same published rate as this page — no signup.
FAQ
- Are my numbers sent to a server?
- No. The math runs in your browser and nothing typed is uploaded or stored.
- What fee does PayPal charge for Goods & Services?
- US Goods & Services commercial payments are 2.99% with no fixed fee on PayPal’s US business fees table—the same rate used in the main PayPal fee calculator’s G&S option.
- Are Friends & Family payments always free?
- Domestic US Friends & Family payments funded from a PayPal balance or linked bank account typically have no fee (PayPal consumer fees). Card-funded personal payments can incur fees—this tool models the common no-fee balance/bank case only.
- Should sellers use Friends & Family?
- Goods & Services (or PayPal Checkout for business) provides seller and buyer protections. Friends & Family is for personal transfers and is not intended for commercial sales.
Worked example ($100)
G&S fee $2.99 · F&F fee $0.00 · Difference $2.99 (2.99% effective on G&S)