Stripe International Transaction Fee Calculator

Calculate cross-border Stripe fees — international card surcharge, currency conversion, and Connect cross-border surcharges that compound for global businesses.

At a glance

US international surcharge
+1.5% (so 4.4% total)
EU/UK non-European surcharge
+1.75%
Currency conversion (US)
+1.0%
Currency conversion (others)
+2.0%
Connect cross-border
+0.25%

International Stripe fees compound: the international card surcharge (+1.5% in the US, +1.75% in EU/UK), currency conversion (+1% in the US, +2% most elsewhere), and Connect cross-border (+0.25%) all stack on the base rate. A US merchant taking an EU customer’s euro-denominated card payment can end up at 5.4% effective.

Frequently asked questions

What counts as an "international" card?
Any card issued outside the merchant’s country. So a US merchant treats Canadian cards as international, even though the customer is geographically nearby. The card’s issuing country is what determines the rate, not the customer’s location at time of purchase.
How can I reduce international fees?
Three main levers. (1) Settle in the same currency as you charge (avoids the 1–2% conversion fee). (2) Use local entities — a UK Stripe account for European customers, US for American customers. Costs accounting overhead but saves processing. (3) Encourage international customers to use cheaper local methods — SEPA in EU, Bacs in UK, etc.

Related calculators & guides

Related Tools

receipt_long

Invoice Generator

Create professional invoices with logo, tax calculations, and PDF download — free, no signup.

credit_card

Credit Card Test Number Generator

Generate Luhn-valid test card numbers and browse provider-specific sandbox test cards for Stripe, PayPal, Adyen, Braintree, Square, and more.

account_balance_wallet

Paycheck Calculator

Calculate your take-home pay after federal, state & local taxes, 401k, and deductions. Supports US (all 50 states), UK, Canada, Australia, and India.

payments

Salary Calculator

Convert hourly wage to yearly salary or annual to hourly. Includes overtime and tax estimates.

trending_up

Compound Interest Calculator

Calculate how your savings grow with daily, monthly, or annual compounding. Includes growth chart, year-by-year schedule, and simple vs compound interest comparison.