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Why Business Owner Use PayPal? If you're a enterprise owner and PayPal is utilized by your purchaser or customer to send funds, you'll have to bear the fees. Whether it is an international transaction, there will be a cross-border charge. The PayPal Fee Calculator is straightforward to use, with a user-pleasant interface that permits you to calculate fees for numerous types of payments, together with merchant accounts, normal charges, personal funds/sales (domestic and international), micropayments, non-revenue, PayPal Here (tm) charges, and digital terminal fees.