How Mercari fees work in 2026
Mercari charges sellers one fee: a flat 10% selling fee on the completed item price plus any buyer-paid shipping. Listing an item is free no matter the category, price or volume, and there is no separate payment processing fee for sellers. That processing cost was eliminated for sellers on January 6, 2025 and moved to buyers as a 3.6% Buyer Protection fee, charged on the item price plus buyer-paid shipping at checkout. The buyer fee does not come out of your payout, but it does make your listing look more expensive to the buyer.
Getting paid is where a small choice matters. Mercari lets you withdraw your balance by ACH direct deposit, free (one withdrawal per day; a $2 fee applies only to rejected deposits), or Instant Pay, which costs $3 per cash-out and lands in your account in about 30 minutes.
The formulas
- Mercari selling fee = (item price + buyer-paid shipping) × 10%.
- You keep = item price − selling fee − payout fee.
- What to list at to keep a target = (target + 10% × buyer-paid shipping + payout fee) ÷ 0.9.
Worked examples
You sell an item for $100 and the buyer pays shipping. Mercari takes 10% = $10.00 and you keep $90.00 with a free ACH withdrawal.
The same item at $100 with $4.99 of buyer-paid shipping: the fee applies to $104.99, so Mercari takes $10.50 and you keep $89.50. The effective rate against your $100 price is 10.5%, not 10%.
To keep exactly $500 with no buyer-paid shipping and free ACH, list at $500 ÷ 0.9 = $555.56. Use Instant Pay instead and it becomes ($500 + $3) ÷ 0.9 = $558.89.
Ways to pay less
There is not much to optimize on Mercari, since the 10% fee is flat, but two things help. First, let the buyer pay shipping when you can: when you offer free shipping, you absorb both the shipping cost and the 10% fee charged on it. Second, cash out with free ACH instead of the $3 Instant Pay unless you need the money the same day. A weekly free withdrawal instead of daily Instant Pay saves $21 a week.
Related tools
Selling the same item on eBay instead? The eBay fee calculator covers its tiered final-value fees, which usually run higher than Mercari's flat 10%. For fashion, compare the Depop fee calculator (no selling fee for US sellers) and the Swappa fee calculator for used tech. Mercari payouts pass through your bank, and our PayPal fee calculator covers standalone payment fees if you sell off-platform.
Limitations
Rates are Mercari's published US fees and can change. This tool covers the standard new-listing fee structure in effect since January 6, 2025. Canceling an order as the seller can trigger a 5% cancellation fee, which this calculator does not include. Promoted listing fees and the buyer's 3.6% Buyer Protection fee are excluded because they do not reduce your payout. This tool covers US sales only.
Sources
Mercari Help: changes to our fee structure, checked October 12, 2026.