3.25% for USD card for EU business + 0.5% for stripe tax + 0.4% for invoice + 0.5% for stripe checkout. It really adds up!

MasterCard and Visa are mostly to blame here. They haven't innovated at all in the past 30 years and the fees they charge are wildly out of balance with the service they provide. They're awful, and I can't wait to see these credit card companies crash and burn when they get some real competition.