Wise Business Euro (SEPA) Fee Calculator
Calculate exact Wise Business Europe deductions in EUR, model international card + FX conversion spreads, or switch to reverse mode to pass fees cleanly onto a client invoice.
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Net payout kept
€100.00
12-month fee total (50 orders/mo)
€0.00/year
Ideal merchant profile
European consultants and B2B software companies collecting USD and GBP invoices. Typical settlement window: Instant SEPA / 1 business day.
Fee schedule watchout
SEPA EUR transfers are €0 to receive; currency conversion averages 0.45%–0.55% at real mid-market rates.
Wise Business Europe (EU) payout & reverse-invoice schedule
Pre-calculated EUR payouts comparing domestic cards (0% + €0.00) against cross-border FX payments (0.94% + €0.00).
| Sale Amount | Domestic Fee | Domestic Net | Cross-Border + FX Fee | Invoice to Net Exact |
|---|---|---|---|---|
| €25 | -€0.00 (0%) | €25.00 | -€0.23 (0.94%) | €25.00 |
| €100 | -€0.00 (0%) | €100.00 | -€0.94 (0.94%) | €100.00 |
| €500 | -€0.00 (0%) | €500.00 | -€4.70 (0.94%) | €500.00 |
| €2,500 | -€0.00 (0%) | €2500.00 | -€23.50 (0.94%) | €2500.00 |
| €10,000 | -€0.00 (0%) | €10000.00 | -€94.00 (0.94%) | €10000.00 |
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Common questions: Wise Business Europe (European Economic Area)
How much does Wise Business Europe take from €100 in European Economic Area?
On a domestic €100 EUR transaction, Wise Business Europe deducts €0.00 (0% + €0.00), leaving €100.00 net payout. If the buyer uses an international card requiring currency conversion, total deductions reach €0.94 (0.94%).
How much should I invoice to receive €100 after Wise Business Europe fees?
To net an exact €100.00 after domestic Wise Business Europe processing fees, charge €100.00. On cross-border FX transactions, charge €100.95.
Does Wise Business Europe handle VAT, GST, and US sales tax automatically?
No. Wise Business Europe is a payment processor, not a Merchant of Record. You remain responsible for tax registration and remittance (automated tax calculation add-ons typically cost an extra 0.5% per transaction).
Why are Wise Business Europe effective fees higher on €10 micro-orders?
Because the fixed €0.00 per-charge fee applies regardless of cart size. On a €10 order, Wise Business Europe takes €0.00, resulting in a 0% effective deduction.