2026 · PayPal ACH keep · PayPal ACH 0.80% ($5 cap) · Not affiliated
Keep $99.20 on $100 after PayPal ACH 0.80% ($5 cap) (2026)
Keep $99.20 on $100 after PayPal business ACH bank debit 0.80% with $5.00 cap (PayPal business fees, effective Sep 1 2026). Distinct from Invoice Pay by Bank 1% ($10 cap) on /paypal-pay-by-bank-keep/ ($99.00); Stripe ACH same 0.8%/$5 is /stripe-ach-keep/; plan $0. Monthly/plan typed $0, not inside KEEP. Not affiliated. Planning only.
realratecalc.com — planning keep only. Confirm on paypal.com/us/business/paypal-business-fees ACH 0.80% cap $5 (Sep 1 2026).
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USD
Keep after PayPal ACH 0.80% ($5 cap)
$99.20
Official PayPal business ACH bank debit 0.80% with $5.00 cap (PayPal business fees, effective Sep 1 2026)You type Distinct from Invoice Pay by Bank 1% ($10 cap) on /paypal-pay-by-bank-keep/ ($99.00); Stripe ACH same 0.8%/$5 is /stripe-ach-keep/; plan $0
$100 - min(0.8%, $5) = $99.20. Plan $0. Planning only.
Fees
$6.30
Plan $
$0.00
Keep
$99.20
11 more plannersOfficial starting keep $99.20. Plan $0 is typed, not in KEEP.
Plan / tier presets
Clickable. Starting number stays PayPal ACH 0.80% ($5 cap) -> $99.20.
Monthly/plan (not in KEEP)
Typed line, default $0. Never baked into $99.20.
$0.00
Monthly when the page opens is $0.
—
Type a monthly plan greater than $0 to count sales that cover the plan. Monthly is not inside KEEP.
Sale ladder
Same fees on $25 / $50 / $100 / $250 / $1,000.
$25$24.80
$50$49.60
$100$99.20
$250$248.00
$1,000$995.00
Monthly volume
Sales/month × this sale’s KEEP. Default 30.
$2,976.00
keep × n
List price for target keep
Solve gross for a target KEEP with this page’s fee stack.
$100.00
Solve G for target KEEP
Fee on this sale
Gross − KEEP for the current sale (page input or $100). Official math only.
Sale gross$100.00
$0.80
G − KEEP
Effective fee %
(G − KEEP) / G × 100 when G > 0. Uses this page’s KEEP, not an invented rate card.
0.80%
(G − KEEP) / G × 100
Weekly volume
Sales per week × this sale’s KEEP. Default 7.
$694.40
keep × n
Annual keep
Sales/year × KEEP (default 365), or 12 × monthly volume when that input exists.
PayPal business ACH bank debit 0.80% with $5.00 cap (PayPal business fees, effective Sep 1 2026). Plan $0.
Gross G = $100.00
min(0.8%, $5) = $0.80 (monthly typed $0)
KEEP = $99.20
You type: Distinct from Invoice Pay by Bank 1% ($10 cap) on /paypal-pay-by-bank-keep/ ($99.00); Stripe ACH same 0.8%/$5 is /stripe-ach-keep/; plan $0
Display currency
Works worldwide. Changes money labels only, not a live FX converter.
ActiveUSD
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The formula
KEEP = sale - min(0.008x sale, 5). Official: PayPal business ACH bank debit 0.80% with $5.00 cap (PayPal business fees, effective Sep 1 2026). On $100 -> $99.20.
When the page opens: KEEP $99.20. Official PayPal business ACH bank debit 0.80% with $5.00 cap (PayPal business fees, effective Sep 1 2026). Formula: KEEP = sale - min(0.008x sale, 5). Distinct from Invoice Pay by Bank 1% ($10 cap) on /paypal-pay-by-bank-keep/ ($99.00); Stripe ACH same 0.8%/$5 is /stripe-ach-keep/; plan $0. Monthly/plan typed $0. Planning only. Not affiliated. Source: PayPal business fees (ACH 0.80% · $5 cap · Sep 1 2026). Sister Pay by Bank $99.00 · Stripe ACH $99.20 · ACH compare.. Also see real rate · day rate guide.
Worked KEEP math on $100?
Official KEEP $99.20. KEEP = sale - min(0.008x sale, 5). Fee on $100 = $0.80.
Is monthly/plan billed inside $99.20?
No. Typed $0 never baked into KEEP $99.20.
Is this affiliated?
Not affiliated with PayPal ACH. Shopify Impact bridge CTAs used. Educational planning only.