I think that’s a different fee. As a merchant accepting credit card or debit card payments is going to cost you the same 2-3%. At least that’s what Stripe or local payment processors charge
The reason it charges 1.4% more for accepting US cards is the US card fees (interchange fees). These fees are complicated and roughly five times more than European card fees [3].
[1] https://stripe.com/en-fr/pricing
[2] https://stripe.com/pricing
[3] https://www.nerdwallet.com/article/small-business/credit-car...