Payments · Platform comparison
Every international payment platform hides a fee. We show it.
Payoneer, Wise, Stripe, Airwallex — each takes a different cut on receiving fees and currency conversion. We calculate the true net payout per $1,000 so you know which platform keeps the most of your invoice.
Platform comparison
Ranked by net payout per $1,000 received
| Platform | Receiving fee | FX margin | Net per $1,000 | Score |
|---|---|---|---|---|
1 Freelancers receiving USD/EUR/GBP | Free | 0.45% | $996 | |
2 Businesses with high payment volumes | Free | 0.5% | $995 | |
3 UK/EU businesses | Free | 0.6% | $994 | |
4 SaaS businesses | 2.9% + $0.3 | 1.5% | $956 | |
5 Upwork/Fiverr freelancers | 3% | 2% | $950 | |
6 One-off payments where the client insists on PayPal | 3.49% + $0.49 | 3.5% | $930 |
Mid-market rate, local receiving accounts in 9 currencies, and the lowest conversion margin for freelancers.
Low FX margins and multi-currency accounts designed for businesses with global payment flows.
Competitive FX on weekdays with a wide feature set — but watch the weekend surcharge and plan costs.
Best for product businesses and SaaS — but expensive for pure freelancer invoice payments.
The freelancer's default — deeply integrated with Upwork, Fiverr, Amazon, and 2,000+ platforms.
Ubiquitous but expensive — highest FX margins and receiving fees of any major platform.
How we calculate net payout
Net payout per $1,000 = $1,000 × (1 − receiving fee%) − fixed fee, then × (1 − FX margin%) − withdrawal fee. This is the amount your local bank account receives in equivalent USD value after all platform costs. We use a standard $1,000 invoice from a US client, converted to local currency.
By corridor
Best platform by sending country
The winning platform changes by corridor. Here's the cheapest option for each major sending country.
Explore
Compare platforms by net payout
Wise, Payoneer, Stripe, Airwallex, Revolut Business, PayPal — ranked by what you actually keep per $1,000 received after all fees and FX margin.
Best platform by sending country
The cheapest platform shifts by corridor. USD from USA? Wise wins. EUR from EU? Airwallex competes. We show the winner for each route.
Platform integrations guide
Upwork, Fiverr, Toptal, direct invoicing — the right platform depends on where you work. We map each platform to the cheapest withdrawal path.
Why 'no fee' platforms cost the most
PayPal's 3.5% FX margin vs Wise's 0.45%. The hidden cost of 'free' receiving — and how to calculate your real net payout on any platform.
Receive international payments
How to receive by currency
Freelancers and remote workers: pick your client's currency to see the best platform, FX cost, and tax notes by country.
Compare
Platform comparisons
Side-by-side breakdowns of fees, FX margins, and payout speeds for the most popular platform pairings.
Best platform by country
Platform profiles
Detailed platform reviews
Mid-market rate, local receiving accounts in 9 currencies, and the lowest conversion margin for freelancers.
Low FX margins and multi-currency accounts designed for businesses with global payment flows.
Competitive FX on weekdays with a wide feature set — but watch the weekend surcharge and plan costs.
Best for product businesses and SaaS — but expensive for pure freelancer invoice payments.
The freelancer's default — deeply integrated with Upwork, Fiverr, Amazon, and 2,000+ platforms.
Ubiquitous but expensive — highest FX margins and receiving fees of any major platform.