International payment fee calculator
PayoutCost shows what you really lose getting paid from abroad, on a live map.
Estimates from public provider pricing. Fees may vary.
$5,000.00 invoice · United States → Spain
How much reaches you, provider by provider
1 Wise Business Lowest cost Bank transfer −$14.500.29% $4,985.50reaches you
- Currency conversion0.29% over mid-market (USD→EUR)−$14.50
- Net into your account$4,985.50
2 Revolut Business Bank transfer −$30.000.6% $4,970.00reaches you
- Currency conversion0.6% over mid-market (USD→EUR)−$30.00
- Net into your account$4,970.00
3 Payoneer Receiving account · client pays by bank transfer −$109.402.19% $4,890.60reaches you
- Receiving fee1% of gross−$50.00
- Currency conversion1.2% over mid-market (USD→EUR)−$59.40
- Net into your account$4,890.60
4 Paddle Best by card Merchant of record · client pays by card −$250.505.01% $4,749.50reaches you
- Card fee5% + $0.50−$250.50
- Net into your account$4,749.50
5 Stripe Card processor · client pays by card −$254.605.09% $4,745.41reaches you
- Card fee1.5% + $0.25−$75.25
- Cross-border surcharge1.65% of gross−$82.50
- Currency conversion2% over mid-market (USD→EUR)−$96.85
- Net into your account$4,745.41
6 Whop Payments platform · client pays by card −$258.205.16% $4,741.80reaches you
- Card fee2.7% + $0.30−$135.30
- Cross-border surcharge1.5% of gross−$75.00
- Currency conversion1% over mid-market (USD→EUR)−$47.90
- Net into your account$4,741.80
7 Lemon Squeezy Merchant of record · client pays by card −$297.995.96% $4,702.01reaches you
- Card fee5% + $0.50−$250.50
- Payout to bank1%−$47.50
- Net into your account$4,702.01
8 PayPal Most expensive Card processor · client pays by card −$387.507.75% $4,612.50reaches you
- Card fee2.9% + $0.35−$145.35
- Cross-border surcharge1.99% of gross−$99.50
- Currency conversion3% over mid-market (USD→EUR)−$142.65
- Net into your account$4,612.50
Your client pays in USD and you settle in EUR, so a conversion happens somewhere. Amounts are in USD. If your client can only pay by card, the cheapest card route is Paddle: $4,749.50 reaches you. Open any row to see where each part of the fee goes.
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Guides to getting paid from abroad
All 19 guides- Providers Revolut Business pricing in 2026: the plans, the fees and which one pays off Revolut Business pricing for a European account: Basic €10.00, Grow €35.00 and Scale €125.00 a month, what each allowance is worth, the fees outside the plan and a calculator to pick yours.
- Providers Stripe fees in 2026: what Stripe charges in Europe, the UK and the US Stripe fees explained: the 1.5% + €0.25 European rate, premium, UK and international cards, the 2% conversion markup, disputes, Billing and Invoicing, with worked examples.
- Fees explained Who pays currency conversion fees on international invoices? Learn who pays international invoice currency conversion fees, how exchange rates reduce your earnings, and how to compare payment options.
- Providers PayPal goods and services fee: what the seller pays in 2026 The PayPal goods and services fee explained: the 2.90% + €0.35 rate in Spain, the 3.49% + $0.49 in the US, the cross-border surcharge, who pays, refunds and chargebacks, with worked examples.
- Getting paid Getting paid from abroad as a freelancer in Spain: fees, VAT and tax What it costs a freelancer in Spain to be paid by US, UK and EU clients, how VAT works on those invoices, how the income is declared, and when a Wise or Revolut account means filing form 720.
- Comparisons PayPal vs Stripe vs Wise vs Payoneer: fees compared (2026) PayPal, Stripe, Wise and Payoneer side by side on five real invoices from US, UK and EU clients: the total fee of each, which one is cheapest and when the dearer one is still worth it.
- Fees explained SWIFT transfer fees: why an international wire arrives short (OUR, SHA and BEN) How an international wire loses money on the way: correspondent banks, the OUR, SHA and BEN charge options, the receiving fee and the conversion spread, and how to stop a client's payment arriving short.
Which fee matters most when a client pays from abroad?
Usually the currency conversion. Card rates are advertised and cluster within a point of each other, while conversion markups run from about 0.3% to 4% and are rarely shown next to the card rate. On a $5,000 payment that single layer can be worth more than the card fee itself.
Is it cheaper to be paid by card or by bank transfer?
By bank transfer into an account with local details, almost always. A transfer skips the card fee and the cross-border surcharge, so only the conversion is left. A card is worth its cost when it is the difference between being paid and not being paid, such as a one-off client who will not do a transfer.
Is Stripe or PayPal cheaper for international payments?
Stripe, in almost every cross-border case. PayPal charges a higher base rate and a 3–4% conversion markup against 1–2% at Stripe, and the two compound because the markup is applied after the percentage fee.
Which countries does the calculator cover?
Your clients can pay from any country on the map. Where you live can be the United States, the United Kingdom, Canada, Australia or any of the 21 eurozone countries, because those are the regions where every provider publishes its full pricing. Clients in a country whose currency is not modelled are assumed to pay in US dollars (euros in Europe).
Where do the numbers come from?
From each provider's public pricing page, checked by hand on 2026-10-25. Every figure on the site is produced by the same function, which applies the fees in the order a real payment hits them. The methodology page lists what the model leaves out.