Corridor guide
Send US Dollar → Philippine Peso
BPO and VA workhorse corridor.
Live cost comparison
Calculator pre-seeded for USD → PHP. Try your usual invoice amount.
Showing latest calculation.
The leak story
vs PayPalYou just lost ₱3,678 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 ₱44,134 — 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.
Spread it →
PayPal
4.4% + $0.30 · 2.5% FX markup
Fee₱2,578
FX leak₱1,391
Skimmed₱3,969
You keep
₱54,231
Stripe International
4.3% + $0.30 · 2.0% FX markup
Fee₱2,520
FX leak₱1,114
Skimmed₱3,634
You keep
₱54,566
Payoneer
3% flat · 1.5% FX markup
Fee₱1,746
FX leak₱846.81
Skimmed₱2,593
You keep
₱55,607
Winner!
Wise Business
0.5% transparent · 0% FX markup
Fee₱291.00
FX leak₱0.00
Skimmed₱291.00
Airwallex
1% intl · 0.6% FX markup
Fee₱582.00
FX leak₱345.71
Skimmed₱927.71
You keep
₱57,272
Revolut Business
0.4% · interbank FX (0.4% beyond plan)
Fee₱232.80
FX leak₱231.87
Skimmed₱464.67
You keep
₱57,735
WorldFirst
0% fee · 0.5% FX markup
Fee₱0.00
FX leak₱291.00
Skimmed₱291.00
You keep
₱57,909
Mercury
Free wires · ~1% FX spread
Fee₱0.00
FX leak₱582.00
Skimmed₱582.00
You keep
₱57,618
Bank Wire (SWIFT)
$25 flat · 3% FX spread
Fee₱1,455
FX leak₱1,702
Skimmed₱3,157
You keep
₱55,043
Deel
3% withdraw · 1.5% FX markup
Fee₱1,746
FX leak₱846.81
Skimmed₱2,593
You keep
₱55,607
Smart Tip
Stop the leak! Based on your parameters, Wise Business saves you ₱44,134/year compared to PayPal.
Switch the rail and reclaim that margin every cycle.
Per invoice
₱3,678Extrapolated yearly
₱44,134How we calculated it
Difference between PayPal and Wise Business on the same invoice, split into the two leak sources:
- Platform fee delta₱2,287
- FX markup leakage delta₱1,391
- Per-invoice savings₱3,678
- × 12 months₱44,134
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
- 58.2000
- FX markup
- 0.00%
- Effective rate
- 58.2000
- Receiving amount
- $995.00
- Hidden FX loss
- ₱0.00
- Total loss
- ₱291.00
Final payout₱57,909
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