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Hi Alex! Strip charges 2.9% + $0.03 for most debit or credit card payments (plus extra for currency exchange or international cards). Stripe also supports ACH (eCheck) payments, which all bank accounts support, with a fee of 0.8% or $5.00, whichever is less. If the organization's Stripe account already has ACH allowed, this should be no trouble for them.
Givewell asks to receive donations under $1000 through card payment and over $1000 through check. However, not all charities are Givewell - some are happy to receive a check at $500, for instance.
Lastly, don't forget to check to see if you can use a workplace charity matching program, as many of them cover credit card fees in addition to matching your donation.
I think there are a lot of factors here. If you’re a CEO in a wheelchair, you’re certainly better off working and donating. A low-paid person who’s physically strong might be very valuable in Ukraine.
I doubt you could really estimate the utility you can’t really predict the future - Ukraine could win and we could still have many of the bad outcomes people are scared of (e.g. nuclear war, Russia attacking Europe).
There are a lot of other things you could do to promote peace - like advocating policies in the US like renewing New START and reducing the “defense” budget (or equivalent policies in your country), getting a job in arms control/foreign policy (e.g. IAEA, Center for Arms Control and Nonproliferation), or focusing on understudied/funded issues like landmine nonproliferation.