FxLeakage
Best for Etsy seller

Best payment stack for Etsy sellers (2026)

Etsy Payments takes 3% + $0.25 — plus a hidden 2.5% FX markup if you're not in the USA.

Our picks, ranked

  1. W$
    #1
    WorldFirst

    Purpose-built for marketplace sellers — beats Etsy's own FX.

  2. P
    #2
    Payoneer

    Alternative for non-USD sellers; slightly worse FX than WorldFirst.

  3. W
    #3
    Wise Business

    USD receive account works with Etsy in supported countries.

Playbook tips

  • ▸Add a WorldFirst USD receive account and set it as your Etsy payout destination.
  • ▸Compare the total: Etsy FX (~2.5%) vs your own FX on withdrawal.
  • ▸Track leakage monthly — Etsy's fee changes silently.

Run your numbers

Showing latest calculation.
The leak story
vs Bank Wire (SWIFT)

£29.03 skimmed before it even hit your account.

That's enough to pay for…
  • 3 months of Spotify
  • 8 cups of specialty coffee
  • 3 months of GitHub Copilot
Over a year at this pace

You'll leak £348.36 — 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 →
PayPal
4.4% + $0.30 · 2.5% FX markup
Fee£17.62
FX leak£9.43
Skimmed£27.05
You keep
£367.95
Stripe International
4.3% + $0.30 · 2.0% FX markup
Fee£17.22
FX leak£7.56
Skimmed£24.78
You keep
£370.22
Payoneer
3% flat · 1.5% FX markup
Fee£11.85
FX leak£5.75
Skimmed£17.60
You keep
£377.40
Winner!
Wise Business
0.5% transparent · 0% FX markup
Fee£1.98
FX leak£0.00
Skimmed£1.98
You keep
Take-home
£393.03
Open free Wise Business account →
Airwallex
1% intl · 0.6% FX markup
Fee£3.95
FX leak£2.35
Skimmed£6.30
You keep
£388.70
Revolut Business
0.4% · interbank FX (0.4% beyond plan)
Fee£1.58
FX leak£1.57
Skimmed£3.15
You keep
£391.85
WorldFirst
0% fee · 0.5% FX markup
Fee£0.00
FX leak£1.98
Skimmed£1.98
You keep
£393.03
Mercury
Free wires · ~1% FX spread
Fee£0.00
FX leak£3.95
Skimmed£3.95
You keep
£391.05
Bank Wire (SWIFT)
$25 flat · 3% FX spread
Leaky
Fee£19.75
FX leak£11.26
Skimmed£31.01
You keep
£363.99
Deel
3% withdraw · 1.5% FX markup
Fee£11.85
FX leak£5.75
Skimmed£17.60
You keep
£377.40
Smart Tip

Stop the leak! Based on your parameters, Wise Business saves you £348.36/year compared to Bank Wire (SWIFT).

Switch the rail and reclaim that margin every cycle.

Per invoice
£29.03
Extrapolated yearly
£348.36
How we calculated it

Difference between Bank Wire (SWIFT) and Wise Business on the same invoice, split into the two leak sources:

  • Platform fee delta£17.77
  • FX markup leakage delta£11.26
  • Per-invoice savings£29.03
  • × 12 months£348.36

Winner breakdown

0.00% better than WorldFirst
Calculation breakdown · Wise Business
Gross billed
$500.00
Platform fee %
0.50%
Total platform fee
$2.50
Conversion rate
0.7900
FX markup
0.00%
Effective rate
0.7900
Receiving amount
$497.50
Hidden FX loss
£0.00
Total loss
£1.98
Final payout£393.03

Other playbooks

Upwork freelancer →Fiverr seller →YouTube creator →Shopify store owner →Indie SaaS founder →Remote employee →Digital agency →