Guides to getting paid from abroad
What the calculator cannot tell you on its own: why the fees work the way they do, and what to change so you keep more of each payment.
- 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
- 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.
- 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.
- Providers PayPal Friends and Family fees for sending money abroad (2026), with a calculator What PayPal charges to send money to friends and family in another country: the 5% international fee and its cap, the card fee, and the 4% currency spread that usually costs more than both. With a calculator.
- Providers PayPal fees on international payments, layer by layer What PayPal really takes when a client abroad pays you: the percentage fee, the cross-border surcharge and the currency markup, with real figures and the settings that lower them.
Fees explained
- 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.
- 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.
- Fees explained The fee your pricing page leaves out: currency conversion markups How payment providers earn money on currency conversion, why it rarely appears as a fee line, and how to measure what it costs you on a real payment.
- Fees explained How to work out what a payment really cost you A five-step method, with a spreadsheet formula, to find the true cost of any international payment from your own statement, including the conversion markup no fee line shows.
Getting paid
- 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.
- Getting paid Card or bank transfer: how your client's payment method changes what you keep The same invoice paid by card or by bank transfer, on five common routes: what each costs, why the gap is so large, and when a card is still worth offering.
- Getting paid How to get paid by US clients when you work from Europe The four ways a US client can pay a European freelancer or studio, what each one costs on a real invoice, and the paperwork the client will ask you for.
- Getting paid Getting paid by UK clients from the EU after Brexit Why a UK client now costs more to get paid by than a German one, what each payment route costs on a real invoice, and how to receive pounds cheaply.
Comparisons
- 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.
- Comparisons Stripe or PayPal for freelancers: which one costs less Stripe and PayPal compared on the payments freelancers actually receive, from local clients and from abroad, plus the non-price reasons to pick one over the other.
- Comparisons Payoneer or Wise: which is cheaper for receiving payments Payoneer and Wise compared on direct client payments and marketplace payouts, with the annual fee and set-up cost included, so you can pick by your own volume.
Invoicing
- Invoicing How to invoice a client abroad: what the invoice must say for EU, UK and US clients The fields an invoice to a foreign client needs, how VAT works for EU and non-EU business clients, the W-8BEN a US client may ask for, and which payment details make you cheapest to pay.
- Invoicing Should you invoice in your currency or your client’s? Who pays the conversion, who carries the exchange-rate risk, and a simple rule for choosing the currency on an international invoice.