Stripe International & FX Fee Calculator
Calculate exact Stripe Cross-Border deductions in USD, model international card + FX conversion spreads, or switch to reverse mode to pass fees cleanly onto a client invoice.
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Net payout kept
$95.30
12-month fee total (50 orders/mo)
$2,820.00/year
Ideal merchant profile
Founders selling globally to buyers outside their home banking country. Typical settlement window: 2–5 business days.
Fee schedule watchout
Combined cross-border + FX + Stripe Billing (0.7%) + Stripe Tax (0.5%) quietly pushes effective fees past 6.6%.
Stripe Cross-Border (Global) payout & reverse-invoice schedule
Pre-calculated USD payouts comparing domestic cards (4.4% + $0.30) against cross-border FX payments (5.40% + $0.30).
| Sale Amount | Domestic Fee | Domestic Net | Cross-Border + FX Fee | Invoice to Net Exact |
|---|---|---|---|---|
| $25 | -$1.40 (5.6%) | $23.60 | -$1.65 (6.6%) | $26.46 |
| $100 | -$4.70 (4.7%) | $95.30 | -$5.70 (5.7%) | $104.92 |
| $500 | -$22.30 (4.46%) | $477.70 | -$27.30 (5.46%) | $523.33 |
| $2,500 | -$110.30 (4.41%) | $2389.70 | -$135.30 (5.41%) | $2615.38 |
| $10,000 | -$440.30 (4.4%) | $9559.70 | -$540.30 (5.4%) | $10460.56 |
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Common questions: Stripe Cross-Border (Cross-Border USD)
How much does Stripe Cross-Border take from $100 in Cross-Border USD?
On a domestic $100 USD transaction, Stripe Cross-Border deducts $4.70 (4.4% + $0.30), leaving $95.30 net payout. If the buyer uses an international card requiring currency conversion, total deductions reach $5.70 (5.7%).
How much should I invoice to receive $100 after Stripe Cross-Border fees?
To net an exact $100.00 after domestic Stripe Cross-Border processing fees, charge $104.92. On cross-border FX transactions, charge $106.03.
Does Stripe Cross-Border handle VAT, GST, and US sales tax automatically?
No. Stripe Cross-Border is a payment processor, not a Merchant of Record. You remain responsible for tax registration and remittance (automated tax calculation add-ons typically cost an extra 0.5% per transaction).
Why are Stripe Cross-Border effective fees higher on $10 micro-orders?
Because the fixed $0.30 per-charge fee applies regardless of cart size. On a $10 order, Stripe Cross-Border takes $0.74, resulting in a 7.4% effective deduction.