Currency Conversion Fee Calculator
The spread stacks on top of the processing fee.
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.
Total cost of the sale
$63.41
6.34% of the sale value
The conversion spread stacks on top of the processing fee rather than replacing it, so a cross-border sale can cost 6.34% against a domestic 2.9%. Settling into a local currency account and converting in bulk, rather than per transaction, is usually the cheapest fix.
How the Currency Conversion Fee Calculator works
The conversion spread is charged after the processing fee, not instead of it, so the two stack. A sale that costs 2.9% domestically can cost well over 6% once an international card fee and a conversion markup are applied to the same transaction.
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 is a conversion spread?
A markup on the exchange rate rather than a separate charge, which is why it does not appear as a line item. Typically 1% to 4% depending on the provider, and invisible unless you compare against the mid-market rate.
How do I avoid it?
Settle into a local currency account in the currency you sold in, then convert in bulk through a provider that uses the mid-market rate. Converting per transaction at the processor's rate is the expensive path.
What is dynamic currency conversion?
When the customer is offered payment in their own currency at the point of sale, usually at a poor rate. It generates a rebate for the merchant and costs the customer more — reasonable people disagree about whether to enable it.
Should I price in local currencies?
Showing local prices improves conversion substantially. Just be aware that you now carry the exchange rate risk between setting the price and being paid, which is a reason to review prices on a schedule rather than never.