What are you charging?
Which method keeps you the most?
| Method | Fee rate | Fee taken | You keep |
|---|
How we estimate — published 2026 rates
These are public standard list rates (US/online). Your negotiated rate, volume tier, region and payout method can differ — treat every figure as an estimate, not a quote.
- Stripe —
2.9% + $0.30domestic online; international cards add+1.5%, currency conversion adds+1%. - PayPal (Goods & Services / Checkout) —
3.49% + $0.49domestic; international payments add+1.5%. - Wise Business — receiving via local account details is fee-free; converting a foreign-currency payout costs the mid-market rate plus
~0.43%(no fixed per-transaction cut). - Card via PG / acquirer — typical blended
~2.9%(US) / Korean PG~2.0–3.4%depending on provider & merchant tier. - ACH / bank transfer —
0.8%capped at$5(Stripe ACH model); domestic wires modeled as a flat fee. - Crypto (stablecoin) —
~1.0%processor cut (e.g. Coinbase Commerce / BitPay tier) plus a small network fee. - Cash / direct bank —
0%processor fee (your baseline).
Rates verified June 2026 against Stripe, PayPal and Wise published pricing and Korean PG comparisons. Heading abroad? Compare eSIM & FX-friendly travel costs on KORLENS →
The fixed fee bites small tickets
On a $5 charge, PayPal’s 49¢ flat fee is a 13% effective rate — far above the “3.49%” you were quoted. FeeCheck shows the real number.
International isn’t the list price
A foreign card can stack +1.5% cross-border and +1% FX. Toggle “International card” to see the full stacked cost.
Pick the cheapest route
For large invoices, ACH or Wise can beat cards by a wide margin. The comparison table highlights the winner automatically.
Fees eating into your invoices too?
FeeMap tracks freelance-platform cuts (Upwork, Fiverr) and FX losses to show your real take-home, and MoneyMap analyses your spending and savings with AI. Both are in early access — join the waitlist for launch priority, money-back guarantee at launch.