Stripe Currency Conversion Fee Calculator

What this page isolates and what it does not

This calculator is designed to isolate Stripe’s published conversion-surcharge layer. It does not try to explain every possible cross-border payment cost, and it does not model customer-side bank or card-issuer foreign exchange fees that can sit outside your Stripe fee stack.

Base fee vs manual entry vs FX surcharge

This breakdown helps you see whether FX is truly the problem. In some scenarios, conversion is only a small extra layer. In others, it is the clean reason the same payment becomes noticeably weaker than the no-FX baseline.

Presentment currency vs settlement currency

Stripe distinguishes between the currency the customer is charged in and the currency your bank account settles in. When those do not match, Stripe converts the charge into your settlement currency. That is why this page focuses on the seller-side conversion layer rather than trying to model the customer’s bank-side FX experience.

How this Stripe FX calculation works

base_processing_fee = published standard card fee for the selected market and card region
manual_entry_surcharge = published manual-entry surcharge when supported
fx_surcharge = published market FX surcharge if charge currency and settlement currency differ
difference_vs_no_fx = fx_surcharge on the same payment scenario
fx_gap_offset_rate = difference_vs_no_fx / charge_amount
total_stripe_fee_with_conversion = base_processing_fee + manual_entry_surcharge + fx_surcharge
net_after_fees = charge_amount - total_stripe_fee_with_conversion

• This page isolates Stripe’s published conversion-surcharge layer only.
• It does not fetch live FX rates or predict the exact converted payout you will receive.

Example: when conversion, not card origin, is the real Stripe problem

This example is useful when the card scenario already looks acceptable, but the payment becomes noticeably weaker only after the charge and settlement currencies diverge.

• Shows the no-FX baseline first.
• Shows the extra fee created by conversion alone.
• Shows whether the conversion gap is large enough to change pricing or payout decisions.

Before you rely on this result: key assumptions

• This calculator uses Stripe public standard-pricing pages for supported markets only, not custom pricing, IC+, or negotiated enterprise contracts.
• The page estimates Stripe’s published currency-conversion surcharge layer, not the live exchange rate, exchange spread, or exact payout amount after conversion.
• The selected market profile determines the fixed fee, non-domestic card logic, and FX surcharge used in the estimate.
• Customer-side bank or card-issuer FX fees are outside scope, even when the customer pays in a different currency.
• For US, Canada, and Australia, any non-domestic card selection is treated as the published international-card scenario in this v1 estimate.

FAQ

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