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Why Business Owner Use PayPal? If you are a business proprietor and PayPal is used by your purchaser or customer to ship payments, you'll have to bear the fees. Whether it is a world transaction, there shall be a cross-border payment. The PayPal Fee Calculator is easy to use, with a consumer-friendly interface that means that you can calculate charges for varied types of payments, including service provider accounts, normal fees, personal payments/gross sales (domestic and worldwide), micropayments, non-profit, PayPal Here (tm) charges, and digital terminal charges.