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US-based business with US financial institutions being charged International fees?

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We are a Canadian company but have a US website set up specifically for US customers. We charge $USD and all products ship from/to the US.  We have a US-Based bank linked to Shopify, so all financial transactions remain in the US. 

So why is Shopify charging us 3.5% +.30 on every transaction instead of 2.9%?  Just because the business address is Canadian?  But the bank's address is American!

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