PayPal Fees | Should You Charge Your Clients?

PayPal Fees | Should You Charge Your Clients?

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PayPal Fees

To charge or not to charge, that is the question. I personally do not.

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When accepting payments via PayPal, PayPal takes a percentage of what ever you are paid and this fee usually ranges between 1.9% to 3.9% – think of this fee based over a year – if you are earning $50,000 a year, you are losing $1750 worth of your hard earned cash. Times that by 5 years… well you get the point.

I have listed some reasons for both sides below.

David Airey also posted an article on how designers charge their clients which outlines various alternative methods of payment along with further discussions on the subject.

Reasons To Charge Your Clients

  • More profit – The most obvious reason to charge your clients PayPal fees would be to keep your cash rather than PayPal take it which in turn, improves your cash flow, profits, etc.
  • It may be an acceptable practice – many small businesses charge a fee to use their credit card services and for a good reason… it really does add up. As freelancers, we generally work as sole traders so we also classify as small business, thus making it acceptable.
  • It is a small price to pay for a client – 1.9% – 3.5% is a very low fee to charge for a client in comparison to your earnings.

Reasons NOT To Charge Your Clients

  • Higher fees for the client – Your services become more expensive which may lead to your clients going elsewhere. Generally, these small fees are not a huge problem unless you have large or repetitive projects.
  • Poor cash flow – When clients pay by cheque it can take longer to receive your payment which decreases cash flow. You also have to take into consideration the 3-4 days it takes to withdraw your money from PayPal.
  • Loss of clients – If you have recurring clients, the fees can add up over time and they may go elsewhere to find someone who does not charge PayPal fees.
  • PayPal is risky – There has been instances where the client has claimed a dispute with PayPal saying that they never received what they paid for. This means your money can get held up for weeks on end.
  • Can be seen as unprofessional – Some clients may consider charging fees unprofessional and possibly unethical.
  • Against PayPal Terms Of Service – Someone mentioned that charging your clients PayPal fees is against PayPal’s terms of service however I have not seen any confirmation of this. Confirmed – it is against PayPal’s TOS.


I also ran a poll on Twitter (follow me) to see how many people charge clients PayPal fees and how many do not. Cast your vote to see the current results.

Update: Steven also did a great write up about PayPal fees here.

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Comment Below

  1. What is your opinion?
  2. Have you got any more reasons for or against charging clients PayPal fees?
  3. Do you show that you have incorporated the PayPal fee into your price or not?

76 thoughts on “PayPal Fees | Should You Charge Your Clients?”

  1. I’m in the boat of not line item charging for PayPal fees. Chalk it up to the cost of doing business.

    If you want to recoup those costs, then figure it into your total overhead and adjust your rates accordingly. This is something I’d reco everyone do on a, at a minimum, yearly basis.

  2. No – I don’t think it’s acceptable to charge people PayPal fees … asking people to pay via PayPal is a convenience to me: I get the money quicker, it’s all online, it’s generally beneficial to me – so, in my case, I don’t feel it’s appropriate to charge. The client would probably prefer to pay by cheque – that’s what’s easiest for them … so, getting them to do what’s easiest for me, and then charging them for it, just doesn’t seem right.

  3. I’m in agreement with those who absorb the cost into their quotes. It’s more efficient to factor all eventualities into your design rate than to specifically say, “Plus 3.5% for PayPal fees”. What do you reckon, Jacob?

  4. As pointed out in the comments before me, the PayPal TOS forbids charging buyers for the fees you incur. Above and beyond that I think charging fees is somewhat tacky and pretty unprofessional (just my opinion).

    Also, PayPal fees do drop once you do over a certain amount in sales (I think it’s over 15k a month for the past 3 months), so when you do a high volume of sales it can really make a difference.

    I personally feel that with all of the advantages PayPal offers, like their IPN feature, that it is more than worth the fee they charge. Although I do agree that those pennies add up!

  5. Well, if it’s a legitimate business expense, then of course the cost should be factored into your prices.

    Perhaps it only becomes an issue when you TELL your clients that you’re charging them this fee. I don’t see any reason why you should, just like you don’t tell them how much of what they’re paying you goes towards the cost of your software, or your internet service, or your phone line. It’s your job to figure out your expenses, calculate a profit margin, and charge accordingly.

  6. In establishing cost/price of products or services, consider ALL expenses/overhead (direct and indirect). That includes payment fees (PayPal, credit card, etc.), taxes paid on purchases, etc. In cost accounting, even the nails and paints are important factors in establishing a price of, say, furniture. The customer, however, need not know the details of the costing. The common practice is to impose upon customers only delivery fees and sales taxes (GST/VAT). In the Philippines, imposing Credit card fees and other payment fees to customers is against the law. Payment fees will fall under administrative expenses, not cost of sales/services. That means, the impact of these fees on the cost of your services is proportionately distributed. You earn more for those who do not use PayPal; you earn less for sales through PayPal. On an aggregate, however, you earn fairly. It does not sound fair for customers but thats how you do it in accounting. In a nutshell, consider PayPal fees in establishing the cost of your services but you do not have to show it explicitly to your customers. You know it is there, it is incorporated there but not necessarily the exact amount of the PayPal fee.

  7. No way its an overhead cost to a business. It’s not a clients fault you choose to use paypal. I do how ever think you should be adding these costs into your base rate.

  8. I agree that they’re a nuisance to have to pay, and they can mount up, but if you charge a client $2000 for a project, the one thing they’re going to remember afterwards is that you then charged them $40 on top.

    The fees are just another expense in the project. I’d just build it into the original quote and not highlight it as an extra, only so that I don’t annoy any of my clients come billing time. 🙂

  9. Irrelevant of whether or not you state the exact paypal surcharge, it’s a cost of doing business and needs to be factored into your price. Like petrol to attend meetings and travelling time, computer wear and tear, software replacement over the year, insurance and your downtime. The bottom line is if you’re working as a business you need to be receiving a wage.

    If you only ever charged for the exact working minutes in a day and didn’t factor in those extra costs then why freelance? You shouldn’t have to work a 16 hour day to get 8 hours pay.

    So my vote is for accomodating business fees into your business bills. I’m quite sure every other business has factored in the credit card fees to meet their pricing…

    just my 2 cents.

  10. At the end of the day its about being competitive and making money. Are you charging what you’re worth? Are you worth what they’re paying? The fee itself isn’t really the issue IMO.

  11. Yes, it’s part of my invoice. But most of my clients pay per check. The fee should be paid by the client as it is a convenience to him, like when they want their website up right away.

  12. Open a separate bank account and have money transferred into that. It sounds like it would be a lot cheaper / free. You’d even get interest!

  13. I don’t know that I entirely agree that a client may go elsewhere if you choose to charge them PayPal fees. I mean, I’m sure it’s a possibility, but I think it’d be an extreme act on behalf of the client when they have CHOSEN to pay via that method (assuming different methods are available, as is the case with my business).

    That aside, I think it’s perfectly acceptable to charge clients for using PayPal (or PayMate), particularly in the case where they can choose to pay via another method – EFT for example.

    For me, it’s more of a way of trying to deter them from using a CC rather than not wanting to pay the fees myself.

    • Actually, I just made the decision not to purchase a product that I wanted to purchase because the vendor had a blatantly advertised Paypal fee. It’s the reason I am at this article. If the fee was meant for the buyer then Paypal would charge the buyer not the seller.

  14. And Paypal TOS 4.6

    4.6 No Surcharges. You agree that you will not impose a surcharge or any other fee for accepting PayPal as a payment method. You may charge a handling fee in connection with the sale of goods or services, as long as the handling fee does not operate as a surcharge and is not higher than the handling fee you charge for non-PayPal transactions.

  15. A sidenote: I don’t actually use PayPal. I use PayMate… so I obviously wasn’t aware it was against the TOS. ;p

    With PayMate, you can simply untick ‘absorb buyer fees’ and the client then cops the fees.

  16. I never charged clients for anything like this. I’ve never put mark-up on hosting or domain fees but now I’ve had some more experience in the commercial world and I see what prices others are charging – it doesn’t sway me to slap a small percentage on top of everything.

  17. I agree with Nathan. PayPal is a convenient method for me to receive payments, and the fee is a cost of doing business. I write it off on my taxes actually.

  18. We absorb the cost of PayPal expenses. We feel that it’s part of doing business, part of the cost of goods sold, and it’s really not a charge that should be tacked onto our normal rates.

    It’s a little foolish to say, “This will cost you $250… plus 3%.” Shouldn’t that $250 (or whatever) already take that 3% expense into consideration?

  19. I absorb it, because I like to be giving my customers exact quotes along the way. They know what they’re getting charged through the entire project. I’d hate to try and tell them plus XX%, not only because it looks a little suspicious but because I think it looks a little amateur.

  20. It depends on how many methods of payment you have. If PayPal is your only means of getting payed, I think you should calculate that percentage allready in your price. That way, you know you’re not losing anything and your clients just that think that’s your rate.

    If you have several means of payment, I think you should keep your price as it is. If people can only pay through paypal, tough luck, take clients who can pay by other means where you don’t lose anything…

  21. I will say a couple things about this as a Licensed Private Investigator and the impact it has on me.

    Sears, Macy’s, Walmart, Home Depot doesn’t charge me extra to use my Credit Card or Debit Card (Visa Logo). In the same regard I think that people have become accustomed to using their Debit Cards which are actually cash backed, not credit based. There is a fee for the service. The fee is absorbed by the merchant. It’s merchant services.

    I don’t like Credit Cards because its too easy to get a “charge back” from someone unhappy, and in the service related industry it really hits hard. Let’s say I’m performing surveillance for a cheating spouse. I do the time and the spouse is never spotted cheating. The client ends up being unhappy paying the $2,000 for the services, so they charge it back claiming I didn’t prove the infidelity. I don’t prove anything, I provide a service, and sometimes that service proves something, other times not.

    I think any business wishing to avail themselves to the “plastic” market needs to be able to absorb the fees in their pricing.

  22. I’m voting against charging your customers paypal fees. Like mentioned above, it’s a huge convenience, tax deductible and against Paypal’s TOS. Not to mention, if I was a customer, I’d be upset if I received an invoice that included paypal fees 🙂

  23. Hey Jacob,

    I actually ran into that issue recently and I realized its just not worth it to use Paypal. Despite being more convenient, I just hate to charge my clients odd percentages extra. I would rather have a check for $500 than a check for $507.68, they just mentally feel better about nice round numbers, so I have them mail checks.

    A great tool I use is Intuit’s BillingManager, so I can keep track of invoices while using traditional money transferring mediums like the mail.

  24. While both credit card contracts, and paypal contracts stipulate that you may not charge to cover the fees for receipt of payment, the reality is that every company, freelance or retail actively considers the cost of the fees and increases the price of the product or service accordingly. You never line item a fee for paypal on an invoice, but you note to yourself to quote a 2-4% increase over your normal billing estimate.

  25. I agree with you on passing on Paypal fees to the client/customer. If you don’t pass on Paypal fees, your profit margins decrease considerably, especially over time. Paypal does work wonderfully for small startups, but for larger businesses it may be better to look at other merchant facilities.

    I think you should offer your customers/clients an alternative payment option in addition to Paypal, one that does not include Paypal like fees. (ie- Direct Deposit/Wire transfers.)

  26. We actually have a full on Merchant account and gateway processor setup. We also prefer some pay with a credit card because the client may not have the funds available to write a check.

    That’s dicey…kind of sucks to have clients that can’t pay up, but if they have to charge it – at least we get paid for the time we put in. Even if we do lose out on 2.5%

    So, we don’t use paypal but rather the CC processing service through Quickbooks. The CC integration makes it easy to bill for recurring hosting, etc.

  27. I personally do not charge the client PayPal fees.

    But if I’m concerned about the fees I’ll just up the invoice a percent or two. Client doesn’t have to know its for the PayPal fees and at the same time it helps me absorb costs.

  28. Very detailed analyze, I read already David Airey’s article, this article is like continue 🙂 For this article I’ just listend for now, because I have no big experience using Paypal.

  29. I’ve never really gotten payments other check and cash from my clients. And even though Paypal hasn’t caught on yet here in the Philippines, I’d probably still stick to the cash or check modes should that time come.

    What really bothers me when it comes to transfers like this is the lack of personal interaction. I believe one of the biggest selling points of a freelance designer or developer is the intimacy a client can get from working with a freelancer rather than say, a large design firm. I don’t know about you guys, but I feel lucky enough to have a more personal relationship with many of my clients. Sometimes I even think that when we do meetings for projects, we’re just sticking in the technical things within really social gatherings.

    When it’s time for payments, I take the time to go to the office myself and pick up the checks or the cash. And I just don’t go to the accounting department and sign papers–I go to my clients themselves, the men who run the business. I usually stay and chat for a while about how their business is going, how their new system is running, about current trends in business and in technology and sometimes, we even talk about how well school is going for me or how their daughter’s piano recital went.

    Some may argue that getting too personal with clients is too much of a bad thing. I don’t think so. Freelancers need to build a strong relationship with their clients, and getting to a more friendly level with them is certainly something important. It builds real trust and real knowledge of the people you’re working with. And the best bonus is that when these people start to know you on a much deeper basis, they start thinking of you as close friends or good acquaintances. And believe me, most of these people love to brag about their designer and developer friends to their other business friends. I must have gotten around three-fourths of all my projects just through referrals. And yes, I have stopped looking for projects since last year–they just keep coming.

    So when the time comes that my clients ask me if I want my payment wired through Paypal or whether they should put in an extra amount to cover the transfer expense, I’d probably just say, “Let’s just do lunch. My treat.”


  30. While I mainly receive checks as payment, I do occasionally accept paypal. I do a lot of work with businesses, and checks are a norm, not a paypal for my clients.

    I don’t charge the paypal fee however. It is a standard cost of doing business, just like the paper I print the invoice (if they want it mailed) the electricity to run my computer, etc. Every credit card clearinghouse is going to charge a fee (generally 1 to 3%), and rarely do other companies charge you for the convenience of paying by credit card. Since my grocery store, restaurants, etc. don’t charge this fee – I would be viewed as petty if I charged it, and risk losing customers.

    Instead, build it into your pricing scheme as part of the cost of doing business and call it done.

  31. Unless doing work for charity or even volunteer work, you shouldn’t charge them, but other than that you should, your spending time doing work, why not get paid for your efforts.

  32. I don’t charge the Paypal fees to my clients.
    For me it doesn’t sound good to suggest the client: “You have to pay more because you pay via Paypal”.
    I prefer to absorb the fee and offer that extra payment option to my clients if they like to pay that way.
    It’s the cost of doing business online.

  33. for me, i have different payment method, which i can receive a payment for my clients, and paypal is only 1 of the option. With my experience i’ve been encounter difficulties. for every payment. If you think that the customers pay 50% upon the start of the project and it pay for paypal it will deduct 3.5% and then once it complete it will deduct if you paid $500 you will dedecut $17.5 and for $100 you will lose $35, as for our country it is already a huge amount.

  34. Thank you everyone for your opinions, help and feedback… rather than reply to each individual with generally the same answer I will post my broad reply below.

    Originally, before posting this article I used to include 3.5% in the quote / invoice however after reading the feedback left in this article, I have chosen not to show this fee (as it is against PayPal’s TOS) but rather include it into the price as a ‘hidden’ cost – aka just another cost of doing business. I also agree that round numbers look better rather than say $2120.55.

    Thank you for the link and clarifying PayPal’s TOS.

  35. Hey,

    just thought I would throw my hat in and mention Google Checkout…..its much cheaper than paypal and only acts as a transaction handler, i.e the money goes straight from the clients account into yours. The fee starts at 1% (so you could easily absorb the cost) – I see no problem for charging this to the customer, however, its incredibly common amongst most medium to small businesses, heck, most resteraunts, corner shops etc charge for credit card transactions, I agree that the client can choose how to pay, and yes whilst its more convenient for us, its also convenient for them else they wouldnt choose to pay that way?, I gladly pay transaction fees if it means i will get product quicker or can settle a debt asap.

    Just a warning, paypal is not covered by full UK (and many other coutries) financial laws as it is not counted as a financial institution like a bank etc and so they can do what they want when the want with your money, even deduct huge sums without telling you why!

    check out to read horror stories! (not scare mongering but just want to let you guys know that paypal is far from being an ethical and morally sound company).

    Take it easy.


  36. Use paypal as your last option, offer check first and if they prefer paypal charge them the fee. If they don’t like it, they can use a check.

  37. Hi Jacob

    I know this is a slightly older post but I felt compelled to respond since I very recently found myself in the exact situation.

    I usually do not accept credit cards for payment. I have several reasons, but they are irrelevant to this post.

    But recently I had a client who was overdue for a payment. I had become more than a bit agitated and it was a large sum, which I was specifically counting on for the holidays to buy for my family.

    Upon giving her my ultimatum, I caved in and said I’d accept a PayPal payment because I thought this would be an incentive if she could just charge it to her credit card and get it taken care of. She agreed to do it.

    When I factored in PayPal’s fees, they were quite high, and that was going to come right out of the money I was already owed. It just didn’t seem right.

    So I told her I would need to charge a 3% fee if she wanted to pay by PayPal. Otherwise, she could just send a check, as I’d asked her to do originally.

    She actually paid the 3% fee and didn’t even say a word about it.

    So in my opinion, it’s completely fair to charge a fee for credit cards because I am providing a convenience to them. If clients want to avoid fees, they can send a check.

    Here is another way I’ve rationalized this:

    If you’ve ever tried to pay your mortgage with a debit card, or your electric bill with a credit card, you were probably hit with a “transaction fee” for using plastic. Why? Because these companies are doing a service for you and now you owe them money. The pressure is on you to pay up.

    On the flip side, if you go to a store and buy a new shirt, you can use plastic and they won’t charge a penny. Why? Because the ball is in your court and they’re trying to make a sell. Besides, the prices are already marked up and that covers the credit card fees. Come on, that shirt didn’t really cost $50 to make.

    So when you’re the one providing the service, the ball is in your court and it’s completely fair to charge a fee to accept credit card payments. Remember, you offered the chance to pay by check for free. It’s their choice if they want to use plastic.

    Thanks for letting me share my input on this. I’m glad you brought up this topic.

  38. I accept credit card by paypal as a convenience option for my clients and will use the paypal fees as a late fee charge. I waive the charges if the invoice is paid within 30 days.

    However, depending on the client and the project, I will calculate what the fee would be and if it is more than a certain amount then I will absorb the cost into my quote. I do not discourage clients from using paypal in any way, which is the point being made in the TOS.

  39. I am having the same problem over here. I offer clients to pay by check or PayPal. I don’t like having to add 3% if they want to pay by PayPal, but I don’t want to factor it into the total estimate initially (most of my clients pay by check).

    What exactly can I call the fee to make it legal? Can I say a “processing fee” for all online payments? My partner seems to think factoring the percentage in would be “hiding” the fees from the client, but I really disagree. Insight anyone?

    • Hello Allison,
      You could just incorporate the fee when you do your quote at the start, just like you do your other costs of doing business (overheads). That way you don’t have to explain the processing fee, just like you don’t have to explain your other overheads if you get what I mean?

  40. That is not a problem to absorb the cost if one has really a business account and is really earning good time. But for those with personal non-business account, such as us bloggers who earn marginal amount, to charge us from receiving such small amounts like a few dollars, that really sucks!

  41. Paypal suck, I hate paying other charges after I have already paid ebay commision, it costs me about $70 pr sale through ebay and Paypal. Being forced to offer paypal as a payment method is a clever business move but why do Paypal penalise the seller, charge the purchaser not the seller just like a CC company would.
    If your in business and Pay pal is a convenient payment method thats great , It’s a business expence , but not a business expence I’m willing to wear I can do business easly with out it, Paypal for me, you suck!

  42. Other people have posted about credit cards really being overhead and thus should be silently factored into the estimate up front to avoid looking petty. I agree, and would recommend estimating your annual credit fees and diving that figure across your entire client base whether they use a card or not. It’s really no different than your electricity or internet bills. Your clients are paying for your utilities, but no one would even consider having sewage, water, and electricity line items on a design bill.

    However, I wanted to point out that no matter how you want to handle credit fees, checks can sometimes be much worse. My company has had clients write large checks that bounced. When you factor in NSF fees, the cost of business delays while waiting to collect, and depending on the client the cost of collecting on a bad check, the 3.9% can start to look very appealing.

  43. I would say that the cost should be built into your business cost rather than forcing it on the client. Make sure you are charging enough to run your business. Paypal is considered convenient to me… So, I don’t think I would impose a convenience charge. I would rather know the money is coming sooner and have it rather than wait for a check which will slow down the business flow.

  44. The rule regarding surcharging varies from country to country.

    In the UK although against eBay rules it is allowed for other transactions:

    4.5 Non discouragement. In representations to your customers or in public communications, you agree not to mischaracterise or disparage PayPal as a payment method. You agree that you will only surcharge for the use of PayPal in compliance with any law applicable to you. You further agree that if you do charge a buyer any form of surcharge that you, and not PayPal, will inform the buyer of the requested charge. PayPal has no liability to any buyer where you have failed to inform the buyer of any surcharge. You acknowledge that if you are permitted to surcharge and your further fail to disclose any form of surcharge to a buyer this may constitute a criminal offence by you.

  45. Most of the comments I have read the users already accept the fact of being charged by paypal is in itself acceptable, I think they are greedy to charge for this service and will no longer use paypal, back to inconvient checks or money orders but i feel better not geting ripped off by paypal.

  46. Paypal, in my opinion is definitely the number one preference for sending and receiving payments. I’ve done many transactions till date.

    However, I never ever charged my clients for the fees and any extra stuff. In my opinion, its not about the few dollars (in most cases). Its about the experience of your client, the experience of satisfaction and working with you.

    Just my two cents…

  47. They are buying from you, and using the methods you have offered, why risk a sale by adding more fee’s.

  48. PayPal is a CONVENIENCE, not a necessity.

    However, your average consumer is a complete moron… and we’re breeding stupider, more self entitled, and utterly worthless scum these days.

    Ask your customer “Okay, I have to pay x number in taxes, x number for food, x number for this, x number for that… and you’re telling me that I should cough up ‘x items of food’ just so you can use paypal?” Of course, ignoring said customers response, you should thus inquire “So you are saying that I should start overcharging my other customers just so you can feel happier? It is your choice to use PayPal, it is my choice to accept it.”

    These web-startups are nothing but parasites… as is the society that globalized networking has wrought. People refusing to pay tips, customers expecting items to be both cheap, well built, great customer service, long lasting… yes, many companies are seriously over charging; but you have to cut costs somewhere. “You get what you paid for… but” — since the majority of society has become morons — “you do not recognize the difference in quality until too late.”

    3% means far more to YOU than it does to me… so why can’t these sleaze bags just cough it up rather than acting like it is better to overcharge EVERYONE else. Bloody entitled bastards.

  49. You risk losing your Paypal account doing this because you are in breach of their policies.

    You can try to hide it by not telling the client you are passing on the transaction fees, but then what if you quote a client with the understanding they are using a cash based payment method, then they change their mind and ask to pay by Paypal, if your policy is to add on the fees you say you have to increase the cost unless they go back to the cash method. They can then complain to Paypal, send copies of your communications, and you run the risk of account suspension (and all the dramas associated with this, lost access to funds etc..)

    Morally it is right, in the Paypal/Credit Card universe however you are putting yourself in danger.

  50. You forgot to mention as an advantage that you may be able to write the Paypal fees off as part of your business expenses.

    Also, if the fee is a big deal then just build it into the price or offer a discount for certain modes of payment.

  51. Why not inflate the actual price to the Paypal price and offer discount for cash or bank transfer?

    Price = £103.50
    Discount for cash & bank transfer = £100

    Unfortunately you still have to take a hit of 12p 🙂

  52. While this article is over 6 years old, I still think it’s very relevant to doing business even now in 2015.

    A lot of people complain about PayPal taking a % fee and ask why do they do it, well the answer is simple. They offer a service, have overheads just like anyone else. It’s your choice to choose to use PayPal as a payment service not your clients. I know businesses who don’t charge the % fee at all, some charge 50% to their clients and others charge the full amount. If you choose to charge the full amount and wonder why your business sales are down maybe the charge is one of the factors that makes people want to or not want to do business with you.

    I know normal bricks and mortar stores charge a fee for using Visa and Mastercard, I actually refuse to pay this and would instead go elsewhere that doesn’t charge it.

    Anyways I hope my comment helps others.

  53. I agree that this post is still relevent. I actually think that charging your customer the transaction fee for PayPal is acceptable. Yes it may mean that they are charged more for the job, but it also encourages them to make the effort to do a bank transfer which costs nothing. Margins can be tight and absorbing the Paypal fees into your own costs could cost a fortune.

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