Currency and cross-border pricing calculator
Enter an amount, the exchange rate, and your bank or card markup to see what really lands in your account.
What lands in your account
Banks and cards add roughly 1.5–3% over the mid-market rate. On a single payment it looks small, but across many cross-border sales it adds up fast.
Indicative estimate. Actual amounts depend on your provider's live rate, fixed fees, and the markup applied at the moment of conversion.
How cross-border pricing really works
When you sell to customers abroad, the amount you quote is rarely the amount you keep. Your payment provider converts the currency at its own rate, then adds a markup on top of the real mid-market rate. This calculator separates the two: the clean mid-market conversion, and the slice the bank or card network takes.
The markup usually sits between 1.5% and 3%. On one payment it feels trivial, but if a meaningful share of your revenue is cross-border it quietly compounds into a real number every month. Seeing it as a euro figure, not a percentage, makes it easier to decide whether to absorb it, price it in, or switch providers.
It's the real exchange rate — the midpoint between the buy and sell prices that banks trade at with each other. It's the rate you see on Google or an FX site, before anyone adds a margin. Most providers convert at a rate slightly worse than this and pocket the difference.
Selling across borders? Make the checkout carry its weight
A site built for multi-currency, multi-market selling keeps more of every sale in your pocket. See how our web development team builds storefronts that handle cross-border pricing cleanly.