Gateway stringclasses 8
values | Primary_Region stringclasses 7
values | Domestic_Fee stringclasses 7
values | International_Fee stringclasses 7
values | FX_Conversion_Fee stringclasses 8
values | Monthly_Fee stringclasses 4
values | US_Entity_Required stringclasses 8
values | Best_For_Use_Case stringclasses 8
values |
|---|---|---|---|---|---|---|---|
Stripe | Global / US | 2.9% + $0.30 | +1.5% cross-border | +1% currency conversion | $0 | Recommended (US LLC/HK) | Shopify / WooCommerce / SaaS / DTC |
PayPal Commerce | Global | 2.99% + $0.49 | +1.50% international | +3.0% to 4.0% FX | $0 | No (Supports CN/Global) | Complementary checkout / Global buyers |
Airwallex | Global / APAC / US | 2.8% + $0.30 | +1.0% to 1.5% | 0.5% - 1.0% markup | $0 | No (CN/HK/US supported) | Multi-currency collection & low-cost FX |
Shopify Payments | US / UK / Selected | 2.5% to 2.9% + $0.30 | +1.0% to 2.0% | 1.5% to 2.0% | Included in Shopify plan | Yes (Must match store region) | Native Shopify DTC stores (0% txn fee) |
Wise Business | Global | N/A (Payout rails) | 0.43% - 1.5% variable | Mid-market rate + 0.35%-0.8% | $31 one-time | No (Supports international) | B2B wire transfers & multi-currency payout |
Payoneer Checkout | Global / CN | 2.99% + $0.30 | +1.5% non-domestic | 2.0% - 2.5% FX | $0 | No (Very friendly to CN) | Cross-border DTC & marketplace settlement |
2Checkout (Verifone) | Global (200+ countries) | 3.5% + $0.35 (2Sell) | +1.5% cross-border | 2.0% - 5.0% FX | $0 | No (Global merchant of record) | Global digital goods / SaaS / High-risk |
Authorize.Net | US / Canada | 2.9% + $0.30 | +1.5% international | Bank dependent | $25/month | Yes (US/CA entity) | Traditional enterprise & high-volume merchants |
Global Payment Gateway Rates & Comparison Matrix (2026 Edition)
A structured dataset comparing transaction fees, cross-border markups, foreign exchange (FX) spreads, and entity requirements across major international payment service providers.
Maintained for cross-border ecommerce founders, SaaS creators, and international sellers navigating global payment rails.
Dataset Overview
| Gateway | Domestic Fee | Int'l Fee | FX Spread | Monthly Cost | US LLC Required? | Best For |
|---|---|---|---|---|---|---|
| Stripe | 2.9% + $0.30 | +1.5% | +1.0% | $0 | Recommended | Shopify / WooCommerce / SaaS |
| PayPal | 2.99% + $0.49 | +1.5% | 3.0% - 4.0% | $0 | No | Trust conversion / Secondary checkout |
| Airwallex | 2.8% + $0.30 | +1.0% - 1.5% | 0.5% - 1.0% | $0 | No | Multi-currency collection & low-cost FX |
| Shopify Payments | 2.5% - 2.9% + $0.30 | +1.0% - 2.0% | 1.5% - 2.0% | Included in plan | Yes | Native Shopify DTC (avoids 2% fee) |
| Wise Business | N/A (Payout) | 0.43% - 1.5% | Real mid-market rate | $31 one-time | No | B2B invoices & supplier payouts |
| Payoneer Checkout | 2.99% + $0.30 | +1.5% | 2.0% - 2.5% | $0 | No | DTC stores & marketplace payouts |
| 2Checkout (Verifone) | 3.5% + $0.35 | +1.5% | 2.0% - 5.0% | $0 | No | Global SaaS & MoR digital downloads |
| Authorize.Net | 2.9% + $0.30 | +1.5% | Bank dependent | $25/month | Yes | High-volume merchants |
Key Takeaways for International Founders
- The Hidden Cost Is FX, Not Processing: A gateway with a 2.9% rate but a 3.5% FX spread often costs more than one with 3.2% + mid-market FX.
- KYC & Entity Alignment: Gateways like Stripe and Shopify Payments enforce strict jurisdictional matching between your registered business entity (e.g., US LLC), banking destination, and customer-facing store domain.
- Redundancy Is Crucial: Running a secondary gateway (e.g., Stripe + PayPal or Stripe + Airwallex) protects revenue against sudden risk review freezes.
Source & Detailed Integration Guides
This dataset is compiled and audited by Bob Tong at KuajingBase.
For complete step-by-step setup guides, compliance walkthroughs, and legal prerequisites:
- 💳 Full Payment Gateway Review & Gateway Architecture
- 🏢 How to Form a US LLC Online for Non-Residents to Unlock US Payment Rails
- 🛒 Shopify Complete Store Setup & Payment Gateway Integration 2026
License
MIT License. Open for educational and commercial research reference.
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