Stripe card processing rates vary significantly depending on where a client's card is issued, but Moxie's System Preferences only allows a single global Stripe fee % that applies to all invoices.

Stripe's actual rates (for an Irish Stripe account) are:

• EEA cards (e.g., Ireland, Spain): 1.5% – 1.9% + €0.25

• UK cards: 2.5% + €0.25

• International cards (e.g., US, Australia): 3.25% + €0.25

There is also a flat €0.25 per transaction that Moxie has no way to account for, since the setting is % only.

Setting the global % too low means under-recovering fees from international clients. Setting it too high means overcharging EEA clients. There is no single % that works accurately across all card types.

VAT on Stripe fees:

For users not registered for VAT, Stripe charges 23% Irish VAT on top of their processing fees. This VAT applies to both the percentage component and the flat €0.25, making the true cost per transaction higher than the headline Stripe rate. For example, a US client payment doesn't cost 3.25% + €0.25 — it costs (3.25% + €0.25) × 1.23 = effectively ~4% when VAT is included.

Current workaround:

Manually changing the global % before each invoice, then reverting it — which is error-prone and easy to forget (and doesn’t account for the €0.25 so will never match the actual figure in Stripe).

Requested feature:

Allow the Stripe processing fee to be set at a more granular level, for example: Per client (on the client record

This would allow accurate fee pass-through for users with international clients, without under-recovering or overcharging on any invoice.