Head-to-head comparison
Stripe vs Payoneer
Stripe vs Payoneer costs: invoice freelancer vs marketplace payouts.
Stripe is for direct billing; Payoneer is for receiving marketplace earnings.
Side-by-side fee snapshot
S
Stripe
- Fee %
- 4.30%
- Flat
- 0.30
- FX markup
- 2.00%
- ✓Direct client billing via hosted invoice
- ✓Card-first geographies
- ✓International cards accepted
P
Payoneer
- Fee %
- 3.00%
- Flat
- 0.00
- FX markup
- 1.50%
- ✓Receiving from Upwork / Fiverr / Amazon
- ✓Bulk B2B payouts
- ✓Multi-currency holding
Run your own numbers
Calculator pre-seeded for Stripe vs Payoneer — change the amount and currencies to see the gap on your invoice.
Showing latest calculation.
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 →
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
Winner!
Wise Business
0.5% transparent · 0% FX markup
Fee$5.00
FX leak$0.00
Skimmed$5.00
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
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
Winner breakdown
0.00% better than AirwallexCalculation breakdown · Wise Business
- Gross billed
- $1,000
- Platform fee %
- 0.00%
- Total platform fee
- $0.00
- Conversion rate
- 1.0000
- FX markup
- 0.00%
- Effective rate
- 1.0000
- Receiving amount
- $1,000
- Hidden FX loss
- $0.00
- Total loss
- $0.00
Final payout$1,000
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