International and FX Fees by Gateway 2026

+1.5%

Stripe cross-border

On non-US-issued card BIN

+1%

Stripe FX

If currency conversion needed

+1.5%

PayPal cross-border

Standard rate

+1%

Amazon Pay cross-border

On non-domestic BIN

Direct answer

For a US Stripe merchant taking a card issued in the EU, the effective rate is 2.9% + 1.5% cross-border + 1% FX = 5.4% + $0.30 if the merchant settles in USD and the card is in EUR. For a US PayPal merchant, the equivalent is 2.89% + 1.5% = 4.39% + $0.49. Mollie publishes per-method rates, so a Dutch merchant accepting an iDEAL payment from a Dutch consumer pays just EUR 0.32 flat.

Per-vendor cross-border table

Feature	Vendor	Cross-border
Stripe	+1.5%	+1%
PayPal	+1.5%	Per merchant agreement / not published as a single rate
Square	Not supported on most plans	N/A
Amazon Pay	+1%	Per merchant agreement
Braintree	+1%	+1%
Mollie	3.25% + EUR 0.25 non-EEA cards	Quoted per route
BlueSnap	Regional per-country published	Per merchant agreement
Adyen	Quote-only	Quote-only

PayPal's currency-conversion margin is set in its User Agreement Fees schedule rather than published as a single headline rate; see the PayPal User Agreement (US legal hub) for the live schedule.