Cross-border card cost tool by Stripe account market

Stripe International Card Fee Calculator

Use this calculator to compare an international-card payment against the domestic Stripe baseline for the same account market and charge amount. Separate card-origin uplift from FX or manual-entry pressure and see how much net revenue is left after Stripe.

Last updated: 2026-03-25

Fee logic last verified: 2026-03-25

Calculator

Start here. Your account market changes the pricing regime, card-region logic, and whether manual-entry surcharge is shown in this public standard-pricing model.

Use the gross payment amount you want to compare under domestic and cross-border card scenarios.

Card-region meaning depends on your Stripe account market. UK and EEA public pricing split nearby regional cards differently from broader international cards.

Turn this on only when Stripe’s published FX surcharge applies to the selected market scenario.

Shown for US and Canada public standard pricing, where Stripe explicitly lists a manual-entry uplift.

Fee breakdown

Domestic baseline fee—
International card uplift—
Currency conversion surcharge—
Manual entry surcharge—
Total Stripe fee—

How this Stripe international card calculation works

domestic_baseline_fee = published domestic standard-card fee for the selected market and charge amount
international_card_fee_uplift = selected base processing fee - domestic baseline fee
manual_entry_surcharge = market manual-entry surcharge × charge_amount when supported
currency_conversion_surcharge = market FX surcharge × charge_amount when currency conversion is required
total_stripe_fee = domestic_baseline_fee + international_card_fee_uplift + manual_entry_surcharge + currency_conversion_surcharge
net_after_stripe = charge_amount - total_stripe_fee
difference_vs_domestic = total_stripe_fee - domestic_baseline_fee
  • This calculator compares one selected payment scenario against the domestic baseline for the same Stripe account market and charge amount.
  • UK and EEA results use the public standard-card rates, not premium-card pricing.
  • For US, Canada, and Australia, any non-domestic card is treated as international in this v1 estimate.

Example: when the same Stripe charge becomes materially weaker cross-border

A seller tests the same charge amount under the domestic baseline first, then switches to a cross-border card scenario to see whether international-card uplift, FX, or manual entry is creating most of the margin leak.

  • Shows the domestic baseline first.
  • Separates international-card uplift from FX or manual-entry add-ons.
  • Shows how much extra margin leaks compared with the domestic scenario for the same order value.

Assumptions

  • This calculator models Stripe public standard pricing only, not custom contracts, negotiated enterprise rates, or interchange-plus structures.
  • UK and EEA pages on this site use the published standard-card rates and do not model premium-card pricing.
  • For US, Canada, and Australia, Stripe publishes one domestic baseline and one international card rate, so non-domestic card selections collapse to the international rate in this v1 estimate.
  • Currency conversion is modeled only when the explicit FX toggle is on.
  • Australia pricing on Stripe’s public page is shown as including GST.

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How this calculation is built

See how SellerMaths turns public rules and page scope into a visible formula path.

Open methodology

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Open disclaimer

FAQ

Why is the same Stripe charge more expensive with an international card?

Because Stripe’s public standard pricing adds cross-border card costs on top of the domestic baseline, and may also add FX when conversion is required. The exact structure depends on the account market.

Is FX always the same as the international-card surcharge?

No. Stripe publishes them separately. In the public standard-pricing pages used here, FX is modeled as its own surcharge rather than being merged into the card-region uplift.

Why do UK and EEA show more than one kind of non-domestic card?

Because Stripe publicly splits those markets into more specific regional cases: UK pricing separates EEA cards from broader international cards, and EEA pricing separates UK cards from broader international cards.

Why is manual entry shown only for some account markets?

Because this page only surfaces the manual-entry checkbox where Stripe’s public standard pricing explicitly lists that surcharge in the selected market profile.

Can I use this for my negotiated Stripe pricing?

No. This page is for public standard pricing only. Custom pricing, volume discounts, and interchange-plus structures need a separate model.

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