What Ownr.com offers for global payments

Ownr.com does not have built-in global payment processing. The platform integrates with Stripe and Square for payment collection, and both of those processors support international transactions — but the setup and fees depend on which processor you choose and which countries you're selling to.

If you're selling to customers outside your home country, you'll need to configure your Stripe or Square account for cross-border payments before connecting it to Ownr. The integration itself doesn't add a separate layer of international capability; it passes transactions through to whichever processor you've already set up.

Ownr itself does not handle currency conversion, hold funds in multiple currencies, or manage international payouts. Those functions live in Stripe or Square, depending on which one you use.

Key Takeaways

  • Ownr.com connects to Stripe and Square for payments, but neither processor is built into Ownr — you set up your own account with them first.
  • Both Stripe and Square support international payments, but you must enable that feature in your processor account, not in Ownr.
  • Currency conversion and international payout fees are determined by Stripe or Square, not by Ownr, and vary by country and transaction type.
  • If you need to accept payments in multiple currencies or pay out to international bank accounts, check your processor's country coverage before connecting to Ownr.

Stripe integration and international reach

Stripe is available in over 40 countries and can process payments from customers in more than 135 countries. When you connect Stripe to Ownr, you're using the same Stripe account you'd use anywhere else — Ownr doesn't modify or restrict Stripe's capabilities.

If your Stripe account is set up in the United States, you can accept payments from international customers, but you'll pay Stripe's standard cross-border fees on top of the base transaction rate. If you have a Stripe account in another country where Stripe operates, the rules change based on that country's regulations and Stripe's local partnerships.

Stripe handles currency conversion automatically if a customer's card is in a different currency than your store. You can see the conversion rate Stripe applied in your transaction history, though Stripe sets those rates and they shift with market conditions.

Square integration and international payments

Square's international reach is narrower than Stripe's. Square operates in the United States, Canada, Australia, Japan, and a handful of other countries, but not globally. If your Square account is based in one of those countries, you can accept payments from customers worldwide, but Square's cross-border fees apply.

Square does not offer multi-currency accounts the way Stripe does in some regions. If you're selling internationally through Square connected to Ownr, all transactions settle in your account's base currency, and Square handles the conversion at their rate.

Square's international transaction fees are typically higher than Stripe's, and Square does not support payouts to bank accounts outside the countries where it operates. If you need to receive funds in a country where Square doesn't have local operations, you'll need to route payouts through a partner bank or use a different processor.

Currency conversion and settlement

When a customer in another country buys from your Ownr store, the payment processor (Stripe or Square) converts their local currency to your account currency in real time. You don't see the customer's original currency in Ownr — the transaction appears in your dashboard already converted.

Both Stripe and Square publish their conversion rates, but those rates are not fixed. They update throughout the day based on market rates, and each processor adds a small markup to the mid-market rate. Stripe's markup is typically 1% to 2%, while Square's is usually 2% to 3%, though both vary by currency pair.

You can see the exact conversion rate applied to each transaction in your processor's dashboard (Stripe or Square), not in Ownr. Ownr shows you the final amount in your base currency, but the conversion details live in your processor account.

Fees for international transactions

Ownr itself does not charge extra for international payments. The fees come from Stripe or Square and depend on several factors: whether the card is domestic or international, whether it's a credit or debit card, and which country the card is issued in.

Stripe's standard rate for U.S. accounts is 2.9% + $0.30 per transaction for domestic cards. International cards typically cost 3.9% + $0.30. Some countries have higher rates due to local regulations or higher fraud risk. Stripe publishes a full rate table on their pricing page, organized by country.

Square's rates for U.S. accounts are 2.6% + $0.30 for in-person payments and 3.5% + $0.15 for online payments. International online transactions are typically 3.5% + $0.15 plus the currency conversion markup. Square's rates also vary by country, and you can find them on Square's pricing page.

Neither processor charges Ownr a separate integration fee, and Ownr doesn't add a markup on top of the processor's rates. You pay only what Stripe or Square charges.

Setting up international payments in Ownr

To accept international payments through Ownr, you first set up your Stripe or Square account for the countries where you want to sell. This usually means verifying your business information, confirming your bank account, and enabling international transactions in your processor's settings.

Once your processor account is ready for international payments, connect it to Ownr through Ownr's payment settings. The connection process is the same whether you're accepting domestic or international payments — Ownr doesn't have a separate "international mode" to turn on.

After connection, your Ownr store will accept payments from any country your processor supports. You don't need to configure anything else in Ownr itself. Currency conversion and international fees are handled automatically by Stripe or Square.

If you want to display prices in multiple currencies on your Ownr store, that's a separate feature you'd need to check with Ownr's current functionality or use a third-party app. Ownr's core integration with Stripe and Square does not include built-in multi-currency display.

Limits and restrictions by country

Some countries have restrictions on payment processing that affect both Stripe and Square. Certain countries are on sanctions lists or have high-risk designations, and processors may not serve them. Both Stripe and Square maintain lists of countries where they do and don't operate.

Even if your processor serves a country, your specific business type might face restrictions. High-risk industries like gambling, adult services, or cryptocurrency face additional scrutiny and may be declined or require special approval.

If you're selling to customers in a country where your processor doesn't operate, you'll need to use a different payment processor entirely. Ownr's integration is limited to Stripe and Square, so switching processors means reconfiguring your payment setup outside of Ownr.

Frequently Asked Questions

Can I display prices in different currencies on my Ownr store?

Ownr's core integration with Stripe and Square does not include multi-currency display. Your store shows prices in one currency. Customers in other countries see that same price converted by their bank or card issuer, not by Ownr or your processor. If you need to show prices in multiple currencies, check Ownr's current app marketplace or contact their support to see if third-party solutions are available.

What happens if a customer's payment fails due to international restrictions?

The customer will see a decline message, usually from their bank or card issuer, not from Ownr. The decline reason appears in your Stripe or Square dashboard. Common reasons include the card issuer blocking international transactions, currency conversion issues, or the customer's country being restricted by the processor. You can ask the customer to contact their bank or try a different payment method.

Do I need a separate bank account in each country to receive payouts?

No. Stripe and Square both pay out to a single bank account in your base country, regardless of where your customers are located. All international transactions are converted to your base currency and deposited into that one account. If you want to receive payouts in multiple countries, you'd need separate processor accounts in each country, which is a more complex setup.

How long does it take for international payments to show up in my account?

Stripe and Square typically deposit funds within 1 to 3 business days, the same as domestic payments. International wire transfers from your processor to your bank may take an additional 1 to 5 business days depending on your bank and the countries involved. The exact timing appears in your processor's payout schedule.

Can I refund an international payment?

Yes. Refunds work the same way for international payments as domestic ones. The refund goes back to the customer's original card in their original currency, and the processor handles the conversion. Refunds typically take 5 to 10 business days to appear on the customer's statement, though this varies by bank.