Venmo Business Fee Calculator

Compute Venmo business profile fees on payments received. Forward: amount → net. Reverse: net → what to charge. Fees last updated 2026-04.

How fees work
  • Business profiles pay a flat 1.9% + $0.10 per payment received — no tiers, no category-specific rates.
  • Standard transfer to a linked bank is free; Instant Transfer costs 1.75% of the amount (minimum $0.25, maximum $25).
  • Reverse lookup tells you exactly what to charge so you net a specific target after Venmo's fees.
Mode:
The total amount the customer sends to your Venmo business profile.
Advanced options Instant transfer fee and custom negotiated rates.
Venmo charges this only if you cash out in minutes instead of using the free 1–3 business-day standard transfer.

How Venmo Business fees work

Venmo charges business profiles 1.9% + $0.10 per incoming payment — flat, regardless of transaction size, category, or customer. This pricing is actually cheaper than its parent PayPal's goods-and-services rate (2.99% + $0.49), which is why small merchants who already accept Venmo tend to steer customers toward it. The catch: Venmo's business funds still live inside the PayPal ecosystem, and moving them to a bank without paying Instant Transfer fees takes 1–3 business days.

The same 1.9% + $0.10 applies when a buyer pays via Goods & Services from a personal Venmo account — that's the payment type that qualifies for purchase protection. Peer-to-peer personal transfers between friends and family are free, but they carry no protections and using them for commerce violates Venmo's terms. The reverse-lookup mode on this calculator is how most sellers figure out what to charge so the math works: want exactly $100? Charge $102.04.

Frequently asked questions

What's the difference between a Venmo personal and business account?
A personal account is peer-to-peer only — transfers between friends and family are free and carry no protections. A business profile is designed to receive payments from customers: it pays 1.9% + $0.10 per received payment in exchange for buyer-side purchase protection, a public-facing profile page, and the ability to legally accept commerce payments. Using a personal account for business is a Venmo terms-of-service violation and puts you at risk of account suspension.
Why is Venmo cheaper than PayPal even though PayPal owns Venmo?
PayPal prices the two products differently to capture different segments. PayPal (2.99% + $0.49 goods-and-services) targets merchants who want the full PayPal ecosystem — dispute resolution, Seller Protection, international reach, invoicing. Venmo Business (1.9% + $0.10) targets casual and small U.S. sellers who mostly accept from customers already on Venmo. Cheaper rate, fewer built-in merchant tools.
Is the Instant Transfer fee worth it?
Rarely. The standard transfer to a linked bank is free and takes 1–3 business days. Instant Transfer is 1.75% with a $0.25 floor and $25 ceiling — so on $100 it's $1.75 (versus waiting 2 days). Most sellers treat Venmo as a pass-through: accept payment, sweep to bank via standard transfer weekly, and only pay for Instant Transfer in actual emergencies.
Can customers dispute Venmo business payments?
Yes. Buyer Purchase Protection covers goods-and-services payments to business profiles — buyers can dispute for items not received or significantly not as described, and Venmo can pull funds back from the seller if the dispute is decided in the buyer's favor. Unlike with personal-account transfers, which offer no recourse, business-profile payments carry real protection (which is why you're paying the fee).

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