FxLeakage
Best for Remote employee

Best payroll rail for remote employees (2026)

Your employer picks the platform — but you can still shape where the money lands.

Our picks, ranked

  1. D
    #1
    Deel

    Employer's platform of choice; multi-currency withdrawal option.

  2. W
    #2
    Wise Business

    Ask employer to pay to your Wise multi-currency account.

  3. P
    #3
    Payoneer

    Fallback when Deel/Wise aren't supported in your corridor.

Playbook tips

  • ▸If your employer uses Deel, choose 'withdraw to Wise' inside Deel — better FX than 'withdraw to bank'.
  • ▸Ask HR to invoice in your local currency if their treasury can afford it.
  • ▸Track monthly leakage — the compound over a year buys a laptop.

Run your numbers

Showing latest calculation.
The leak story
vs PayPal

Your bank just got ₹21,033 richer.

That's enough to pay for…
  • 10 months of Netflix Premium
  • 16 Uber rides across town
  • 2 grams of 24k gold
Over a year at this pace

You'll leak ₹252,396 — that's a two-week trip to Bali.

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
Leaky
Fee₹14,721
FX leak₹7,982
Skimmed₹22,703
You keep
₹311,297
Stripe International
4.3% + $0.30 · 2.0% FX markup
Fee₹14,387
FX leak₹6,392
Skimmed₹20,779
You keep
₹313,221
Payoneer
3% flat · 1.5% FX markup
Fee₹10,020
FX leak₹4,860
Skimmed₹14,880
You keep
₹319,120
Winner!
Wise Business
0.5% transparent · 0% FX markup
Fee₹1,670
FX leak₹0.00
Skimmed₹1,670
You keep
Take-home
₹332,330
Open free Wise Business account →
Airwallex
1% intl · 0.6% FX markup
Fee₹3,340
FX leak₹1,984
Skimmed₹5,324
You keep
₹328,676
Revolut Business
0.4% · interbank FX (0.4% beyond plan)
Fee₹1,336
FX leak₹1,331
Skimmed₹2,667
You keep
₹331,333
WorldFirst
0% fee · 0.5% FX markup
Fee₹0.00
FX leak₹1,670
Skimmed₹1,670
You keep
₹332,330
Mercury
Free wires · ~1% FX spread
Fee₹0.00
FX leak₹3,340
Skimmed₹3,340
You keep
₹330,660
Bank Wire (SWIFT)
$25 flat · 3% FX spread
Fee₹2,088
FX leak₹9,957
Skimmed₹12,045
You keep
₹321,955
Deel
3% withdraw · 1.5% FX markup
Fee₹10,020
FX leak₹4,860
Skimmed₹14,880
You keep
₹319,120
Smart Tip

Stop the leak! Based on your parameters, Wise Business saves you ₹252,396/year compared to PayPal.

Switch the rail and reclaim that margin every cycle.

Per invoice
₹21,033
Extrapolated yearly
₹252,396
How we calculated it

Difference between PayPal and Wise Business on the same invoice, split into the two leak sources:

  • Platform fee delta₹13,051
  • FX markup leakage delta₹7,982
  • Per-invoice savings₹21,033
  • × 12 months₹252,396

Winner breakdown

0.00% better than WorldFirst
Calculation breakdown · Wise Business
Gross billed
$4,000
Platform fee %
0.50%
Total platform fee
$20.00
Conversion rate
83.5000
FX markup
0.00%
Effective rate
83.5000
Receiving amount
$3,980
Hidden FX loss
₹0.00
Total loss
₹1,670
Final payout₹332,330

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