Sending a $1,000 invoice through PayPal can quietly cost you $90. Through Wise, about $5. This free calculator shows the real, all-in fee of getting paid internationally on Wise, Payoneer and PayPal — receiving fees, conversion spreads and withdrawal charges included — using rates we verified in October 2026.
Rates verified October 2026 against official pricing pages — see our full Wise vs Payoneer vs PayPal fee breakdown. Estimates: Payoneer conversion uses a ~2% corridor estimate (official range 1.2–4%); Wise conversion ~0.5% (official 0.41–0.59% on major corridors). Wise also charges a one-time $31 fee to unlock USD account details (not included above — it pays for itself on the first invoice).
Frequently asked questions
Is this calculator really accurate? It uses the official rates we verified in October 2026 for our fee investigation. Corridor-specific conversion spreads vary, so treat Payoneer and PayPal conversion figures as close estimates — the ranking between platforms is what matters, and it is consistent.
Which is cheapest for a US client paying a US freelancer? PayPal’s Pay by Bank (1% capped at $10) — the calculator shows it automatically when you pick a US client with no conversion.
Where can I read the full fee math? See our complete breakdown: Wise vs Payoneer vs PayPal — Real Fee Math for Freelancers.