Stripe Invoice vs Wise Business Fee Calculator
For B2B contracts over $1,000, see how much Stripe cross-border cards + invoicing cost compared to Wise ACH/wire.
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Stripe Cross-Border
$781.80/mo
$9,382/year estimated fees
4.4% + $0.30 base — Founders selling globally to buyers outside their home banking country
Wise Business US
$111.60/mo
$1,339/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 $8,042 per year at this volume.
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Common questions
Is Stripe Cross-Border cheaper than Wise Business US?
Under our baseline scenario, Stripe Cross-Border costs $781.80/month while Wise Business US costs $111.60/month—making Wise Business US cheaper by $8042 over 12 months. Adjust your own volume in the interactive calculator above to check your exact break-even point.
What hidden fees change the Stripe Cross-Border vs Wise Business US winner?
For B2B contracts over $1,000, see how much Stripe cross-border cards + invoicing cost compared to Wise ACH/wire.