Corridor guide

Send US Dollar → Brazilian Real

Tech contractor corridor with heavy IOF tax overlay.

Live cost comparison

Calculator pre-seeded for USD → BRL. Try your usual invoice amount.

Showing latest calculation.

The leak story

vs PayPal

You just lost R$341.24 on this invoice.

That's enough to pay for…

6 months of GitHub Copilot
9 pints of craft beer
5 months of Spotify

Over a year at this pace

You'll leak R$4,095 — that's 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.

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PayPal

4.4% + $0.30 · 2.5% FX markup

Leaky

FeeR$239.22

FX leakR$129.02

SkimmedR$368.24

You keep

R$5,032

Stripe International

4.3% + $0.30 · 2.0% FX markup

FeeR$233.82

FX leakR$103.32

SkimmedR$337.14

You keep

R$5,063

Payoneer

3% flat · 1.5% FX markup

FeeR$162.00

FX leakR$78.57

SkimmedR$240.57

You keep

R$5,159

Winner!

Wise Business

0.5% transparent · 0% FX markup

FeeR$27.00

FX leakR$0.00

SkimmedR$27.00

You keep

Take-home

R$5,373

Open free Wise Business account →

Airwallex

1% intl · 0.6% FX markup

FeeR$54.00

FX leakR$32.08

SkimmedR$86.08

You keep

R$5,314

Revolut Business

0.4% · interbank FX (0.4% beyond plan)

FeeR$21.60

FX leakR$21.51

SkimmedR$43.11

You keep

R$5,357

WorldFirst

0% fee · 0.5% FX markup

FeeR$0.00

FX leakR$27.00

SkimmedR$27.00

You keep

R$5,373

Mercury

Free wires · ~1% FX spread

FeeR$0.00

FX leakR$54.00

SkimmedR$54.00

You keep

R$5,346

Bank Wire (SWIFT)

$25 flat · 3% FX spread

FeeR$135.00

FX leakR$157.95

SkimmedR$292.95

You keep

R$5,107

Deel

3% withdraw · 1.5% FX markup

FeeR$162.00

FX leakR$78.57

SkimmedR$240.57

You keep

R$5,159

Smart Tip

Frequency

Stop the leak! Based on your parameters, Wise Business saves you R$4,095/year compared to PayPal.

Switch the rail and reclaim that margin every cycle.

Per invoice

R$341.24

Extrapolated yearly

R$4,095

How we calculated it

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

Platform fee deltaR$212.22
FX markup leakage deltaR$129.02
Per-invoice savingsR$341.24
× 12 monthsR$4,095

Winner breakdown

0.00% better than WorldFirst

Calculation breakdown · Wise Business

Gross billed: $1,000
Platform fee %: 0.50%
Total platform fee: $5.00
Conversion rate: 5.4000
FX markup: 0.00%
Effective rate: 5.4000
Receiving amount: $995.00
Hidden FX loss: R$0.00
Total loss: R$27.00

Final payoutR$5,373

Related corridors & comparisons

Wise Business vs Payoneer