๐ Countries & Currency
Payment Gateway Fee Comparison
Compare wire, WorldFirst and Stripe fees. All calculations run locally in your browser โ free, instant and private.
๐ธ Payment basics
๐ฆ Channel parameters (tick to compare, rates editable)
Bank wire transfer โ the B2B default for large amounts; intermediary fees vary by routing
Bank-guaranteed payment โ costly but lowest risk, ideal for large first orders
Bank collection โ moderate fees; commercial credit risk stays with the seller
Online checkout for stores โ high fees, fast payout, great for small frequent orders
Marketplace payouts โ rates and payout cycles follow platform rules
Virtual local receiving accounts โ low fees, near-instant payout for multi-channel sellers
๐ก Rates are industry references; capital cost accrues over the payout window
โ Channel comparison (by total cost asc)
๐ Gateway Fees Guide
Comparing T/T, L/C, Stripe and multi-currency accounts
Listed rates are only the tip: total cost = fees + FX loss + capital occupation (amount ร annual rate ร days/365). An L/C at 0.5% plus $60โ180 in intermediary fees and 25 days of float can be poor value on small orders, while Stripeโs 3.4% with 2-day settlement suits cash-hungry stores.
Six channels ship pre-configured and editable. Try the small-sample preset: on an $800 order, wire fixed fees alone exceed 3% โ the best channel changes with the amount.
Worked example: $50K order โ wire vs multi-currency account vs Stripe
On a $50,000 order at the default 6% annual rate: a bank wire = $45 intermediary + $150 FX loss + $25 float โ $220 total (0.44% cost rate); a multi-currency account (0.3% rate, 0.4% FX loss, 1-day payout) = $150 + $200 + $8 โ $358 (0.72%); Stripe acquiring (3.4% + 1.2% FX loss, 2 days) = $1,700 + $600 + $16 โ $2,316 (4.63%).
The takeaway isnโt "always pick the cheapest": wires win on raw cost for large B2B but add ops friction; multi-currency accounts trade ~$138 for next-day payout and clean reconciliation โ worth it for frequent sellers; Stripeโs 4.63% is the unavoidable cost of online acquiring โ price it in instead of fighting it. Three numbers side by side beat any single rate sheet.
Three mistakes people make
โ Comparing rates but not fixed fees: on an $800 order, $45โ180 of intermediary fees is 6โ22% โ use flat-fee-low channels for small amounts, rate-low channels for large. โก Ignoring the FX-loss line: 1.2% on $50K is $600, an order of magnitude above intermediary fees; get the real spread from your provider. โข Skipping capital cost: 60-day terms at 8% annual โ 1.3% of value โ when cash is tight in peak season this hurts more than fees.
The toolโs cost-rate column merges all three into one percentage โ compare channels and amounts on that single column.
โ FAQ
How do I estimate FX loss?
Budget by typical spread ranges (wire ~0.3%, gateways ~1.2%); for high volume, plug in your providerโs real spread.
Why does L/C win at large amounts?
Fixed fees dilute, and risk protection on big first orders is worth far more than the rate gap โ see the cost-rate column.