The sticker says 2.9% + $0.30. Then international cards add 1.5%, currency conversion adds 1%, a chargeback costs $15, and the tax tool takes its cut. Your real rate lands between 6 and 7%. Inflow is 4% + $0.35, flat. That is the whole number.
See my real rate →Every processor advertises a headline number. The real number is what is left after the lines they do not put on the pricing page. Here is where it goes.
Sell outside your country and every card from abroad carries a surcharge. On a global store that is most of your customers.
Paid in another currency? The processor converts at its own spread, then charges a fee on top of the spread.
$15 per dispute, win or lose, plus a monthly tax tool because the processor does not file anything. Inflow does, as merchant of record.
Not to ads, not to product, not to your team. To a fee stack you never agreed to line by line. Inflow replaces the whole stack with one price: 4% + $0.35, international cards and currency included, sales taxes collected and filed by us. What you see is what you pay.
| Classic processor | Marketplace | Inflow | |
|---|---|---|---|
| Real all-in rate | ≈ 6.7% | 15%+ | 4% + $0.35 |
| International card surcharge | +1.5% | included | included |
| Currency conversion | +1% + spread | +2% | included |
| Chargeback fee | $15 each | $20 each | on Inflow |
| Sales tax handled for you | no | partially | yes |
| Instant payouts | 5–7 days | weekly+ | yes |
Leave your details and the Inflow team gets back to you within 24h with the math on your own numbers. No spam, no commitment.
