paypal fees higher than expected ecommerce

The actual problem

Effective PayPal take-rate climbs via FX, chargebacks, and micropayments until margin disappears on paid traffic.

Do this

1. Export 30 days of PayPal activity (CSV) covering sales + refunds.
2. Sum total fees ÷ gross sales — that is your real take-rate.
3. Flag currency conversion rows and dispute fees separately.
4. Compare against card-network alternatives for your top countries.
5. Re-price or add a surcharge only where policy allows; otherwise cut low-margin SKUs.

Tools for this job

• Netkiln

  Paste payouts CSV → public fee + volatility page ($19 clean unlock)

• PayPal fee docs

  Official merchant fee schedule

Related intents

• stripe fees higher than 2.9 percent
• stripe payout csv columns meaning