PROFIT LEAKAGE CALCULATOR

Payment Gateway Fees Exposed

Stop losing money to hidden payment fees. Calculate the exact cut Stripe, PayPal, Payoneer, and Wise take from your hard-earned invoices.

Compare Gateways

Cross-Border Fees

Real Payouts

Invoice Amount

Invoice Amount (USD)

Is the client in a different country?

Client is paying from abroad.

Does the payment need currency conversion?

Your bank uses a different currency.

WiseBest Choice

Effective Rate: 0.60%

Currency Conversion (Approx): $30.00

You Receive$4,970.00 -$30.00 Fees Lost

Payoneer

Effective Rate: 5.00%

Processing Fee: $150.00

Currency Conversion (Approx): $100.00

You Receive$4,750.00 -$250.00 Fees Lost

Stripe

Effective Rate: 5.41%

Processing Fee: $145.30

Cross-Border Fee: $75.00

Currency Conversion (Approx): $50.00

You Receive$4,729.70 -$270.30 Fees Lost

PayPal

Effective Rate: 9.00%

Processing Fee: $174.99

Cross-Border Fee: $75.00

Currency Conversion (Approx): $200.00

You Receive$4,550.01 -$449.99 Fees Lost

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How to Use the Payment Fee Simulator

1
Enter the total amount you are invoicing your client.
2
Toggle whether the client is **International** (cross-border fees apply).
3
Toggle whether you need **Currency Conversion** (e.g., getting paid in USD but withdrawing to EUR).
4
Instantly compare the real, effective fees across Stripe, PayPal, Wise, and Payoneer.

Why Gateway Fees are the Biggest Silent Expense

When you send an invoice for $5,000, you expect to receive $5,000. But if your client pays via PayPal or Stripe with an international credit card, you could easily lose over $200 before the money even hits your bank account.

These payment gateways charge layered fees: a base processing fee (2.9% + $0.30), an international card fee (often +1.5%), and a currency conversion markup (often +1% to +4%). This all adds up to an "Effective Rate" that destroys your profit margins.

For international B2B payments, switching from traditional gateways to direct local bank transfers via services like Wise can save you thousands of dollars a year in unnecessary "friction" costs.

Frequently Asked Questions

Are these fees exactly accurate?

We use standard published rates for commercial accounts (e.g., Stripe's 2.9% + 30¢, plus 1.5% for international cards). Custom enterprise rates or region-specific variations may apply.

Why is PayPal's rate so high?

PayPal charges a high base fee for commercial transactions, plus a significant markup on currency conversion (often an additional 3% to 4%), making it one of the most expensive ways to get paid internationally.

What is an 'International' card fee?

If you are based in the EU and use Stripe, but your client pays using a US credit card, Stripe considers that a cross-border transaction and adds an extra fee (usually around 1.5%).