Cross-Border Payment Fee Calculator
What a foreign order really costs to accept.
Processor pricing varies by country, card type and whatever you negotiated, and it changes without much notice. Take the real figures from your own statement — these defaults are a starting point, not your account.
Extra cost per foreign order
$3.00
5.65% against 3.15% domestic
Cross-border orders cost $10,080 a year more than domestic ones at this mix. That is rarely a reason to stop selling abroad — it is a reason to price for it, since a 2.5% difference is easily absorbed by a shipping table that already varies by destination.
How the Cross-Border Payment Fee Calculator works
Two surcharges apply to a foreign order that do not apply to a domestic one: the international card fee and the currency conversion spread. Neither is large on its own, and together they can take a two-point processing rate past five.
Not financial advice. Marketplace fees change, and they vary by country, plan and seller status. Every rate here is an editable default, not a quoted price — check the platform's current fee schedule before you price a product against it. This is not tax or business advice.
Frequently asked questions
What extra fees apply to international payments?
An international card fee of typically 1% to 1.5% when the card was issued abroad, plus a currency conversion spread of 1% to 4% if the transaction is in a different currency from your settlement account.
Should I stop selling internationally?
Almost never. The extra cost is a couple of percent of order value, which is smaller than most shipping differentials and easily absorbed into pricing. Losing the market entirely is a much worse trade.
How do I reduce the cost?
Settle into local currency accounts in your main markets and convert in bulk rather than per transaction. Offering local payment methods also helps, since domestic rails are usually cheaper than international cards.
Should I price differently by country?
Where volume justifies the complexity, yes — the payment cost is one input alongside shipping, duty and local competition. Most sellers fold it into a regional price tier rather than pricing per country.