If you are selling internationally on Yardio, understanding cross border payment processing is essential. This guide explains how Stripe fees, marketplace fees and currency conversion work when you sell an item and exactly how much you receive after fees.

No matter where you are in the world, this article explains the complete payment flow from checkout to bank payout.

How Cross Border Payment Processing Works on Yardio

When a buyer purchases your item, the payment goes through several stages before it reaches your bank account.

Let’s break it down using a real example.

Example: Seller in New Zealand Sells an Item for NZ$100

1. Customer Pays in NZD

Buyer sees: NZ$100
Buyer pays: NZ$100
Payment currency: NZD

The buyer pays exactly what you listed. No currency conversion happens for the customer.

2. Stripe Payment Processing Fee

Stripe processes the card payment and charges its standard processing fee.

Typical fee:

2.9% + small fixed fee of around 30 cents

On NZ$100:

Approx. NZ$3.20

Remaining:

~NZ$96.80

This covers card processing, fraud protection and payment infrastructure.

3. Yardio Platform Fee (2.5%)

Yardio applies a 2.5% platform fee to support hosting, platform development, security and support. Note this fee may vary.

On NZ$100:

NZ$2.50

Remaining:

~NZ$94.30

4. Cross Border Currency Conversion (Stripe FX Fee)

Because Yardio operates on a US based Stripe platform account, funds moving to a New Zealand seller require currency conversion.

Stripe applies:

Approx. 1 to 2% FX markup

On ~NZ$94.30:

Approx. NZ$1.89

Remaining:

~NZ$92.41

Exchange rates fluctuate daily, so the exact amount may vary slightly.

5. Transfer to Stripe Express Account

Stripe transfers the funds to your connected Stripe Express account.

6. Bank Payout

Stripe pays out to your local bank account.

Timing: Typically 2 to 7 business days
Final received amount: ~NZ$92.41

Where Your NZ$100 Goes

Customer pays: NZ$100.00

Stripe processing fee: ~NZ$3.20
Yardio platform fee (2.5%): NZ$2.50
Stripe FX conversion fee (~2%): ~NZ$1.89

Final payout: ~NZ$92.41

Total combined fees: approximately 7.6%

Why Does Currency Conversion Happen?

Yardio uses a US based Stripe platform account but supports sales from anywhere on in the world.

Stripe platform accounts have a home currency. When funds are transferred to connected accounts in a different currency, Stripe automatically performs a conversion.

You are not charged twice. The FX percentage covers the full conversion process.

Why Do Payout Amounts Vary Slightly?

Small variations are normal in international payments due to:

Daily exchange rate movements
Different card types such as corporate or premium cards

Stripe applies its exchange rate at the time of transfer.

Frequently Asked Questions

Can I avoid the currency conversion fee?

No. When selling outside of the US, a very small conversion fee will always apply.

Where can I see my exact fees?

Log into your Stripe Express dashboard to view itemised transaction details including processing fees and exchange rates.

Selling Globally with Confidence

Yardio is built to make selling simple and accessible for everyone, no matter where you are based. While there are small fees they exist because we use secure, trusted infrastructure that allows sellers and buyers to transact confidently.

Our goal is to keep fees transparent and fair, while providing a reliable platform that supports you to sell your items as easily as possible.

If you ever want to understand your exact breakdown, you can view full transaction details inside your Stripe Express dashboard, or reach out to support and we will gladly help.