๐ณ B2B & E-Commerce Payment Gateway Audit โข 2026 Model
Merchant Cross-Border Card Processing & FX Audit
Audit the real deductions on overseas client transactions: international card interchange surcharges, domestic fixed batch fees, and the disguised 2% to 4% foreign exchange conversion markups charged by Stripe, PayPal, and merchant acquirers.
Gross monthly card volume received from overseas buyers.
USD
Determines the compounding effect of fixed per-transaction fees.
| Payment Rail / Gateway | Standard Rate + Fixed | Cross-Border + FX Spread | Monthly Total Fees | Net Payout |
|---|---|---|---|---|
| Stripe International | 2.9% + $0.30 | +1.5% Int Card + 2.0% FX | $1,005.00 | $13,995.00 |
| PayPal Commerce | 3.49% + $0.49 | +1.5% Cross-Border + 4.0% FX | $1,423.50 | $13,576.50 |
| Local Multi-Currency ACH/SEPA | 0.0% Domestic Pull | 0.45% True Mid-Market | $67.50 | $14,932.50 |
Estimated Annual Revenue Leakage
$11,250.00 / year
Read Multi-Currency Setup Guide โ
Lost to automated currency conversion spreads vs holding funds in native customer currencies.