PayPal vs Wise Business Fee Calculator
Calculate exact savings when moving international client invoices from PayPal (4.99% + 4% FX) to Wise local bank details.
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PayPal International
$901.45/mo
$10,817/year estimated fees
4.99% + $0.49 base — Agencies and remote contractors accepting global client invoices
Wise Business US
$93.00/mo
$1,116/year estimated fees
0% + $0.00 base — Agencies, SaaS B2B annual contracts, and freelancers replacing PayPal invoices
12-month difference
Wise Business US saves you $9,701 per year at this volume.
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Common questions
Is PayPal International cheaper than Wise Business US?
Under our baseline scenario, PayPal International costs $901.45/month while Wise Business US costs $93.00/month—making Wise Business US cheaper by $9701 over 12 months. Adjust your own volume in the interactive calculator above to check your exact break-even point.
What hidden fees change the PayPal International vs Wise Business US winner?
Calculate exact savings when moving international client invoices from PayPal (4.99% + 4% FX) to Wise local bank details.
