How much does PayPal charge to receive money in India?

PayPal India's published fee to receive a commercial payment from abroad is 4.4% plus a fixed $0.30, before the currency conversion to rupees.

Does PayPal charge for converting dollars to rupees?

Yes, through its exchange rate, which is below the market rate. The calculator shows this as an illustrative 3%; your PayPal account shows the exact rate on each payment.

Is PayPal the cheapest way to get paid from abroad?

Usually not. Compare it with Wise, Payoneer and Infinity on the same amount in the calculator above; the cheapest route depends on the amount and on how your client pays.

Where do these PayPal fees come from?

From PayPal India's business fees page, checked on 29 September 2026, and since fees change, check the page before relying on them.

Free tool

PayPal fee calculator for India: what reaches your bank

The PayPal fee calculator for India shows what a payment from abroad leaves you: PayPal charges 4.4% plus $0.30 to receive a commercial payment in US dollars, then converts it to rupees at its own exchange rate, which this calculator treats as about 3% below the reference rate. Enter the amount to see the rupees in your bank.

How much is the client paying?

USD

Where is the work coming from?

Adjust the exchange rate

Rupees per US dollar

Highest comparable estimate

₹94,470

through Infinity, from $1,000.00.

What may reach your bank

The reference rate is ₹95 per US dollar. Open Details for the calculation.

Infinity

₹94,470

Details

0.5% all-inclusive fee and no stated FX markup.

Custom pricing may apply above $50,000.

0.5% below the reference value.

Infinity pricing · checked 29 Sep 2026

Calculation and assumptions

Client payment: $1,000.00
Infinity fee (0.5%): −$5.00
Amount converted: $995.00
Reference USD to INR rateUsed as a benchmark, not an account quote.: ₹94.95 per $1
Estimated INR: ₹94,470

PayPal

The route on this page

₹88,017

Details

4.4% plus $0.30 to receive USD, then a 3% currency-conversion spread.

PayPal's base exchange rate can differ from the reference rate used here.

7.3% below the reference value.

PayPal India business fees · checked 29 Sep 2026

Calculation and assumptions

Client payment: $1,000.00
Receiving fee (4.4% + $0.30): −$44.30
Amount before conversion: $955.70
Reference-rate value₹94.95 per $1: ₹90,739
Illustrative FX loss (3%)PayPal's actual base rate can differ.: −₹2,722
Estimated INR: ₹88,017

Payoneer

₹91,147 to ₹93,996

Details

Published India withdrawal pricing is 1% to 4%, depending on the account and route.

Receiving fees, an annual account fee and other charges can apply before withdrawal.

Payoneer India pricing · checked 29 Sep 2026

Calculation and assumptions

Client payment: $1,000.00
Receiving feeDepends on how the client pays your Payoneer account.: Not included
Balance-to-bank cost (1% to 4%)Payoneer's published India range; your account shows the exact fee.: −$10.00 to −$40.00
Reference USD to INR rate: ₹94.95 per $1
Indicative INR before receiving fees: ₹91,147 to ₹93,996

Wise

₹94,188

Details

Wise's public conversion quote today (0.48%), the $2 eFIRC charge and 18% GST on the fees.

The conversion fee is Wise's public USD to INR quote for converting a balance, refreshed daily, not your account's own quote. Your Wise Business account shows the exact fee before you convert.

0.8% below the reference value.

Wise India receiving pricingWise India business help · checked 29 Sep 2026

Calculation and assumptions

Client payment: $1,000.00
Wise conversion fee (0.48%)Wise's public quote, seen 24 Oct 2026.: −$4.76
eFIRC transfer fee: −$2.00
GST (18% of those fees): −$1.22
Amount converted: $992.02
Reference USD to INR rateWise converts at the mid-market rate, which sits close to this reference.: ₹94.95 per $1
Estimated INR: ₹94,188

Ria Money Transfer

About ₹95,510

Details

Sample rate: ₹95.51 per $1, shown for a $500 US debit-card payment to an Indian bank. The $1.99 sender fee was extra.

This scales a $500 public sample, not your quote. A first-transfer promotion showed a different rate. Commercial-payment eligibility is unconfirmed: ask Ria and your bank whether your invoice can use this exact route and get the required remittance record. Not included in the top estimate.

Check invoice eligibility first

Ria US to India sampleRia India partner terms · checked 28 Sep 2026

Calculation and assumptions

Amount entered: $1,000.00
Sample conversion rateObserved on a $500 US-to-India transfer, not quoted for this amount.: ₹95.51 per $1
Sample sender feeNot deducted from the INR shown here.: $1.99 paid separately
Scaled INR illustrationFreelance-invoice eligibility is unconfirmed.: ₹95,510

Amounts marked “About” use assumptions, not live payout quotes. Open Details to see the calculation. Nothing you type leaves your browser.

About these estimates

Rate used: European Central Bank reference rates, observed 23 Oct 2026.

Wise fee: 0.48% for converting USD to INR, from Wise's public quote seen 24 Oct 2026.

Taxes, withholding, account-specific pricing, intermediary bank charges and eligibility can change the final amount. Fiverr's bank payout uses the $3 fee and 2% conversion fee in Payoneer's published schedule for Fiverr sellers, applied to the reference rate. Ria's invoice eligibility is not confirmed. Rupee line items are rounded separately, so they may differ from the final total by ₹1.

How PayPal's fees work in India

When a client abroad pays you through PayPal for your work, PayPal India's published business fees charge 4.4% of the amount plus a fixed $0.30 to receive it. On a $1,000 payment that is $44.30, so $955.70 is left to convert.

PayPal then converts the dollars to rupees and sends them to your Indian bank account. The rate it uses is its own, set below the market rate, and the gap is a cost you do not see as a separate fee. The calculator shows it as an illustrative 3% below the reference rate; your PayPal account shows the exact rate on each payment.

When PayPal is still worth it

PayPal costs more than most other routes, but almost every client abroad already has it, and paying you takes them a minute. For a first project with a new client, that ease can matter more than the fee. As the work becomes regular, compare the other routes on the same amount, because on a monthly fee the difference adds up quickly.

Whichever route you use, keep the payment record your bank or provider gives you for each payment from abroad. The payments guide explains what it is and why you need it.

Questions people ask

How much does PayPal charge to receive money in India?: PayPal India's published fee to receive a commercial payment from abroad is 4.4% plus a fixed $0.30, before the currency conversion to rupees.
Does PayPal charge for converting dollars to rupees?: Yes, through its exchange rate, which is below the market rate. The calculator shows this as an illustrative 3%; your PayPal account shows the exact rate on each payment.
Is PayPal the cheapest way to get paid from abroad?: Usually not. Compare it with Wise, Payoneer and Infinity on the same amount in the calculator above; the cheapest route depends on the amount and on how your client pays.
Where do these PayPal fees come from?: From PayPal India's business fees page, checked on 29 September 2026, and since fees change, check the page before relying on them.

Sources: PayPal India, business fees (checked 29 Sep 2026).

Last checked on 4 October 2026.