FxLeakage
Best for Shopify store owner

Best payments + payouts stack for Shopify stores (2026)

Shopify Payments (Stripe under the hood) collects — the payout leg is where non-US stores leak.

Our picks, ranked

  1. S
    #1
    Stripe

    Powers Shopify Payments — best card acceptance rates globally.

  2. W
    #2
    Wise Business

    Best cross-border payout when Shopify pays in USD and you bank elsewhere.

  3. Ax
    #3
    Airwallex

    For higher volume with multi-currency collection.

Playbook tips

  • ▸Enable Shopify Payments in every currency your buyers pay in — avoids buyer-side FX.
  • ▸Payout to a Wise USD account when your bank is not USD to save ~2% FX.
  • ▸Track chargebacks separately — Stripe's dispute fee is a hidden line item.

Run your numbers

Showing latest calculation.
The leak story
vs PayPal

€289.61 — gone, just like that.

That's enough to pay for…
  • 7 months at a decent gym
  • 20 Uber rides across town
  • 3 grams of 24k gold
Over a year at this pace

You'll leak €3,475 — 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€202.68
FX leak€109.93
Skimmed€312.61
You keep
€4,287
Stripe International
4.3% + $0.30 · 2.0% FX markup
Fee€198.08
FX leak€88.04
Skimmed€286.11
You keep
€4,314
Payoneer
3% flat · 1.5% FX markup
Fee€138.00
FX leak€66.93
Skimmed€204.93
You keep
€4,395
Winner!
Wise Business
0.5% transparent · 0% FX markup
Fee€23.00
FX leak€0.00
Skimmed€23.00
You keep
Take-home
€4,577
Open free Wise Business account →
Airwallex
1% intl · 0.6% FX markup
Fee€46.00
FX leak€27.32
Skimmed€73.32
You keep
€4,527
Revolut Business
0.4% · interbank FX (0.4% beyond plan)
Fee€18.40
FX leak€18.33
Skimmed€36.73
You keep
€4,563
WorldFirst
0% fee · 0.5% FX markup
Fee€0.00
FX leak€23.00
Skimmed€23.00
You keep
€4,577
Mercury
Free wires · ~1% FX spread
Fee€0.00
FX leak€46.00
Skimmed€46.00
You keep
€4,554
Bank Wire (SWIFT)
$25 flat · 3% FX spread
Fee€23.00
FX leak€137.31
Skimmed€160.31
You keep
€4,440
Deel
3% withdraw · 1.5% FX markup
Fee€138.00
FX leak€66.93
Skimmed€204.93
You keep
€4,395
Smart Tip

Stop the leak! Based on your parameters, Wise Business saves you €3,475/year compared to PayPal.

Switch the rail and reclaim that margin every cycle.

Per invoice
€289.61
Extrapolated yearly
€3,475
How we calculated it

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

  • Platform fee delta€179.68
  • FX markup leakage delta€109.93
  • Per-invoice savings€289.61
  • × 12 months€3,475

Winner breakdown

0.00% better than WorldFirst
Calculation breakdown · Wise Business
Gross billed
$5,000
Platform fee %
0.50%
Total platform fee
$25.00
Conversion rate
0.9200
FX markup
0.00%
Effective rate
0.9200
Receiving amount
$4,975
Hidden FX loss
€0.00
Total loss
€23.00
Final payout€4,577

Other playbooks

Upwork freelancer →Fiverr seller →Etsy seller →YouTube creator →Indie SaaS founder →Remote employee →Digital agency →