Issue №26 · Freelancer Money OSFeatured tool ↓
Every invoiceleaks. Ours plugs it.
A comic-book audit of PayPal, Stripe, Payoneer, Wise, Airwallex, Revolut, WorldFirst, Mercury, Deel and raw SWIFT — hidden FX markup priced in. 16+ currencies. No signup, no upsell.
Live rates · updated hourly· 10 platforms · 4 payment rails
Live · USD base
USD/USD—USD/EUR—USD/GBP—USD/CAD—USD/AUD—USD/SGD—USD/CHF—USD/NZD—USD/AED—USD/SAR—USD/QAR—USD/KWD—USD/BHD—USD/ILS—USD/HKD—USD/JPY—USD/KRW—USD/CNY—USD/TWD—USD/SEK—USD/NOK—USD/DKK—USD/ISK—USD/PLN—USD/CZK—USD/HUF—USD/RON—USD/BGN—USD/RUB—USD/USD—USD/EUR—USD/GBP—USD/CAD—USD/AUD—USD/SGD—USD/CHF—USD/NZD—USD/AED—USD/SAR—USD/QAR—USD/KWD—USD/BHD—USD/ILS—USD/HKD—USD/JPY—USD/KRW—USD/CNY—USD/TWD—USD/SEK—USD/NOK—USD/DKK—USD/ISK—USD/PLN—USD/CZK—USD/HUF—USD/RON—USD/BGN—USD/RUB—
Fee & FX calculator
Cross-border payment audit
Ten platforms, ranked in real time — every fee, spread and card surcharge priced in.
Showing your latest verdict.
Winner!
Wise Business
0.5% transparent · 0% FX markup
Platform fee$5.00
Hidden FX leakage$0.00
Total skimmed$5.00
PayPal
4.4% + $0.30 · 2.5% FX markup
Fee$44.30
FX leak$23.89
Skimmed$68.19
You keep
$931.81
Stripe International
4.3% + $0.30 · 2.0% FX markup
Fee$43.30
FX leak$19.13
Skimmed$62.43
You keep
$937.57
Payoneer
3% flat · 1.5% FX markup
Fee$30.00
FX leak$14.55
Skimmed$44.55
You keep
$955.45
Airwallex
1% intl · 0.6% FX markup
Fee$10.00
FX leak$5.94
Skimmed$15.94
You keep
$984.06
Revolut Business
0.4% · interbank FX (0.4% beyond plan)
Fee$4.00
FX leak$3.98
Skimmed$7.98
You keep
$992.02
WorldFirst
0% fee · 0.5% FX markup
Fee$0.00
FX leak$5.00
Skimmed$5.00
You keep
$995.00
Mercury
Free wires · ~1% FX spread
Fee$0.00
FX leak$10.00
Skimmed$10.00
You keep
$990.00
Bank Wire (SWIFT)
$25 flat · 3% FX spread
Fee$25.00
FX leak$29.25
Skimmed$54.25
You keep
$945.75
Deel
3% withdraw · 1.5% FX markup
Fee$30.00
FX leak$14.55
Skimmed$44.55
You keep
$955.45
Full comparison
All 10 platforms, ranked
- BESTWise Business$5.00$0.00$995.00+0
- BESTWorldFirst$0.00$5.00$995.00+0
- Revolut Business$4.00$3.98$992.02-$2.98
- Mercury$0.00$10.00$990.00-$5.00
- Airwallex$10.00$5.94$984.06-$10.94
- Payoneer$30.00$14.55$955.45-$39.55
- Deel$30.00$14.55$955.45-$39.55
- Bank Wire (SWIFT)$25.00$29.25$945.75-$49.25
- Stripe International$43.30$19.13$937.57-$57.43
- PayPal$44.30$23.89$931.81-$63.19
Your leak, in context
Insights & retention
Smart Tip
Stop the leak! Based on your parameters, Wise Business saves you $351.60/year compared to Stripe International.
Switch the rail and reclaim that margin every cycle.
Per invoice
$29.30Extrapolated yearly
$351.60How we calculated it
Difference between Stripe International and Wise Business on the same invoice, split into the two leak sources:
- Platform fee delta$29.30
- FX markup leakage delta$0.00
- Per-invoice savings$29.30
- × 12 months$351.60
The leak story
vs Stripe InternationalYour bank just got $29.30 richer.
That's enough to pay for…
- 2 months of Spotify
- 6 cups of specialty coffee
- 2 months of GitHub Copilot
Over a year at this pace
You'll leak $351.60 — that's most of a PlayStation 5 + 3 games.
Every. Single. Year.
Plug the leak — route via Wise Business.
Know a freelancer leaking the same? Send this their way.
Spread it →
Also try
More from FxLeakage
Live audit
12,438
invoices audited worldwide this year
Median hidden leakage: 6.4%
Methodology
How we price each fee + FX markup
Open formulas · sources linked
Recent calculations
Your history
Recent calculations
Your last 10 calculations appear here — restorable anytime.