Corridor guide
Send US Dollar → Canadian Dollar
Cross-border North American consulting corridor.
Live cost comparison
Calculator pre-seeded for USD → CAD. Try your usual invoice amount.
Showing latest calculation.
The leak story
vs PayPalCA$86.57 — gone, just like that.
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 CA$1,039 — 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
FeeCA$60.69
FX leakCA$32.73
SkimmedCA$93.42
You keep
CA$1,277
Stripe International
4.3% + $0.30 · 2.0% FX markup
FeeCA$59.32
FX leakCA$26.21
SkimmedCA$85.53
You keep
CA$1,284
Payoneer
3% flat · 1.5% FX markup
FeeCA$41.10
FX leakCA$19.93
SkimmedCA$61.03
You keep
CA$1,309
Winner!
Wise Business
0.5% transparent · 0% FX markup
FeeCA$6.85
FX leakCA$0.00
SkimmedCA$6.85
Airwallex
1% intl · 0.6% FX markup
FeeCA$13.70
FX leakCA$8.14
SkimmedCA$21.84
You keep
CA$1,348
Revolut Business
0.4% · interbank FX (0.4% beyond plan)
FeeCA$5.48
FX leakCA$5.46
SkimmedCA$10.94
You keep
CA$1,359
WorldFirst
0% fee · 0.5% FX markup
FeeCA$0.00
FX leakCA$6.85
SkimmedCA$6.85
You keep
CA$1,363
Mercury
Free wires · ~1% FX spread
FeeCA$0.00
FX leakCA$13.70
SkimmedCA$13.70
You keep
CA$1,356
Bank Wire (SWIFT)
$25 flat · 3% FX spread
FeeCA$34.25
FX leakCA$40.07
SkimmedCA$74.32
You keep
CA$1,296
Deel
3% withdraw · 1.5% FX markup
FeeCA$41.10
FX leakCA$19.93
SkimmedCA$61.03
You keep
CA$1,309
Smart Tip
Stop the leak! Based on your parameters, Wise Business saves you CA$1,039/year compared to PayPal.
Switch the rail and reclaim that margin every cycle.
Per invoice
CA$86.57Extrapolated yearly
CA$1,039How we calculated it
Difference between PayPal and Wise Business on the same invoice, split into the two leak sources:
- Platform fee deltaCA$53.84
- FX markup leakage deltaCA$32.73
- Per-invoice savingsCA$86.57
- × 12 monthsCA$1,039
Winner breakdown
0.00% better than WorldFirstCalculation breakdown · Wise Business
- Gross billed
- $1,000
- Platform fee %
- 0.50%
- Total platform fee
- $5.00
- Conversion rate
- 1.3700
- FX markup
- 0.00%
- Effective rate
- 1.3700
- Receiving amount
- $995.00
- Hidden FX loss
- CA$0.00
- Total loss
- CA$6.85
Final payoutCA$1,363
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