Cross-border settlement calculator
Enter the amount you are collecting and the rate your provider charges. The tool shows the fee, the tax charged on that fee, what actually lands, and the effective percentage you paid. It also checks the minimum collection threshold, because that is the number that quietly eats small orders.
Why the minimum matters more than the rate
A percentage fee scales with the order, so it never hurts much. A fixed minimum does not scale, which means it hurts small orders disproportionately. The table below uses the promotional 0.5% tier and shows what a 20 dollar floor does to orders underneath it.
| Order | Collectable? | What happens |
|---|---|---|
| $5 | No | Below the floor. The request is rejected, so the sale cannot complete through this route. |
| $19 | No | One dollar short. Same rejection. |
| $20 | Yes | Exactly at the floor. Fee is 0.10 USD, tax 0.006, net 19.894. |
| $50 | Yes | Fee 0.25, tax 0.015, net 49.735. Effective 0.53%. |
| $500 | Yes | Fee 2.50, tax 0.15, net 497.35. Effective 0.53%. |
The practical consequence for a digital store: price your smallest item at or above the floor, or bundle it. A nine dollar tool sold alone cannot be settled through a route with a twenty dollar minimum, and no amount of rate optimisation fixes that. It is a floor problem, not a fee problem.
What this tool does not do
- It does not know your provider's actual rate. The two tiers are the published ones; if your contract differs, the result differs.
- It does not model the payment processor's own fee on the incoming transaction, only the settlement leg.
- It does not convert between currencies beyond the single rate you type in.
- It does not store, send or log anything. There is no network request on this page.
Rates shown reflect published terms as of early 2026 and are subject to change. Always confirm against your provider's current schedule before pricing a product.