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2026 · PayPal Pay Later keep · PayPal Pay Later 4.99%+$0.49 · Not affiliated

Keep $94.52 on $100 after PayPal Pay Later 4.99%+$0.49 (2026)

Keep $94.52 on $100 after Pay in 4 / Pay Monthly merchant 4.99%+$0.49. custom high-volume; plan $0. Monthly/plan typed $0, not inside KEEP. Not affiliated. Planning only.

realratecalc.com — planning keep only. Confirm on paypal.com installment-payments + paypal-business-fees.

Showing amounts in
Display currency — labels only, not a live converter
USD

Keep after PayPal Pay Later 4.99%+$0.49

$94.52

Official Pay in 4 / Pay Monthly merchant 4.99%+$0.49 You type custom high-volume; plan $0

$100 - 4.99% - $0.49 = $94.52. Plan $0. Planning only.

Fees
$6.30
Plan $
$0.00
Keep
$94.52
11 more plannersOfficial starting keep $94.52. Plan $0 is typed, not in KEEP.

Plan / tier presets

Clickable. Starting number stays PayPal Pay Later 4.99%+$0.49 -> $94.52.

Monthly/plan (not in KEEP)

Typed line, default $0. Never baked into $94.52.

$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$23.26
$50$47.02
$100$94.52
$250$237.03
$1,000$949.61

Monthly volume

Sales/month × this sale’s KEEP. Default 30.

$2,835.60

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
$5.48

G − KEEP

Effective fee %

(G − KEEP) / G × 100 when G > 0. Uses this page’s KEEP, not an invented rate card.

5.48%

(G − KEEP) / G × 100

Weekly volume

Sales per week × this sale’s KEEP. Default 7.

$661.64

keep × n

Annual keep

Sales/year × KEEP (default 365), or 12 × monthly volume when that input exists.

$34,499.80

keep × n

Sales to hit monthly goal

Typed target monthly take-home ÷ KEEP. Default goal $5,000.

52

ceil(goal / KEEP)

Units × keep

Quantity of identical sales × KEEP. Default 10.

$968.00

qty × keep

Worked example · no click required

Default $100 -> $94.52 keep

Pay in 4 / Pay Monthly merchant 4.99%+$0.49. Plan $0.

Display currency
Works worldwide. Changes money labels only, not a live FX converter.
ActiveUSD
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The formula

KEEP = sale - 0.0499x sale - 0.49. Official: Pay in 4 / Pay Monthly merchant 4.99%+$0.49. On $100 -> $94.52.

Keep $96.80 Shopify vs $94.52 Pay Later on $100 -- Start Shopify (Impact · FTC: affiliate)

Sources

WooPayments fees (US Affirm 6%+$0.30). Locked 2026-09-10. Affiliates none. Affirm direct / Afterpay-direct invent fees PARKED.

FAQ

How much do you keep on $100 with PayPal Pay Later?

When the page opens: KEEP $94.52. Official Pay in 4 / Pay Monthly merchant 4.99%+$0.49. Formula: KEEP = sale - 0.0499x sale - 0.49. custom high-volume; plan $0. Monthly/plan typed $0. Planning only. Not affiliated. Source: PayPal installment payments · PayPal business fees. Distinct from /paypal-keep/ (card 2.99%+$0.49)..

Worked KEEP math on $100?

Official KEEP $94.52. KEEP = sale - 0.0499x sale - 0.49. Monthly typed $0 never enters KEEP.

Is monthly/plan billed inside $94.52?

No. Monthly/plan is a typed line, default $0, never baked into KEEP $94.52.

Is this affiliated?

Not affiliated with PayPal Pay Later. Affiliates none claimed. Shopify Impact bridge CTAs used. Educational planning only.

Klarna keepKeep $93.71 on $100 -- Klarna CA-US annex 5.99%+$0.30 Afterpay keepKeep $94.52 on $100 -- Square US Afterpay 6%+$0.30 Sezzle keepKeep $93.60 on $100 -- Sezzle standard 6.1%+$0.30 Square Online keepKeep $96.40 on $100 -- Square Online Free 3.3%+$0.30 WooPayments keepKeep $96.80 on $100 -- US cards 2.9%+$0.30 Payments compareBNPL + processors on $100 All KEEP hubsDirectory of every KEEP hub
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