I did Stripe's forex at 2% - it's in B17:B20. There's a link to Stripe's page on forex in the note @ B17.
You can nominate weekly or monthly payouts in Stripe too. I also plan on keeping the volumes away from my Xero books and just accounting for them in batches. I'll apportion the batched income against the different product in one line each. Or maybe not, since something like Quaderno or Fastspring already has reports for that. Otherwise I just need a line for a second tax account for EU VAT, NZ GST. It's not much harder than my quarterly GST return.
It's the forex and double-forex that really kills me, money-wise. Stripe has a maximum of one forex at about 2% whereas I can easily get hit twice with hosted solutions based in a first-world currency.
I looked at Quaderno's blog, registering for VAT & filing a return doesn't look too difficult if you have all the numbers to type in. I'd
happily burn that hour for times per year to save literally thousands of dollars. Bonus: I get to earn interest on the VAT while I hold it. Bonus: I get to pay forex on it when I pay it.
I have had worse experiences with bookkeeping: https://icanhazdot.net/2009/07/04/what-i-want-from-accounting-software/ & https://icanhazdot.net/2008/09/19/million-dollar-idea-quickbooks-myob-for-humans/
Bonus: Quaderno goes AUS GST too, and NZ GST. I also like how it makes proper invoices so my Xero books won't get too crowded - I'd hate to individually reconcile all those sales I'm going to have! I hope.
I also like that you can drop a payment button on a WordPress site with ease.
I just heard from Quaderno that they are now supporting multiple Stripe & PayPal accounts on the same Quaderno account.
Yeah, this just got a bit gushy, I know but I think Quaderno is probably the best solution for me. It may not be as lucrative for others unaccustomed to accounting for GST / VAT, don't get beaten up by forex costs because South Pacific Peso, and don't make their own web sites and don't want to use Zapier.
Just fixed some errors on the spreadsheet... for the info of anyone who may have copy-pasted it.