Wise Business Invoice & FX Fee Calculator
Calculate exact Wise Business US deductions in USD, model international card + FX conversion spreads, or switch to reverse mode to pass fees cleanly onto a client invoice.
adsenseEnabled: true in src/data/monetization.ts.
Net payout kept
$100.00
12-month fee total (50 orders/mo)
$0.00/year
Ideal merchant profile
Agencies, SaaS B2B annual contracts, and freelancers replacing PayPal invoices. Typical settlement window: Instant to 1 business day.
Fee schedule watchout
Receiving domestic ACH USD is $0 (wire USD costs a flat $6.11), while card links via Wise carry ~2.9% if enabled.
Wise Business US (US) payout & reverse-invoice schedule
Pre-calculated USD payouts comparing domestic cards (0% + $0.00) against cross-border FX payments (0.93% + $0.00).
| Sale Amount | Domestic Fee | Domestic Net | Cross-Border + FX Fee | Invoice to Net Exact |
|---|---|---|---|---|
| $25 | -$0.00 (0%) | $25.00 | -$0.23 (0.93%) | $25.00 |
| $100 | -$0.00 (0%) | $100.00 | -$0.93 (0.93%) | $100.00 |
| $500 | -$0.00 (0%) | $500.00 | -$4.65 (0.93%) | $500.00 |
| $2,500 | -$0.00 (0%) | $2500.00 | -$23.25 (0.93%) | $2500.00 |
| $10,000 | -$0.00 (0%) | $10000.00 | -$93.00 (0.93%) | $10000.00 |
adsenseEnabled: true in src/data/monetization.ts.
Common questions: Wise Business US (United States)
How much does Wise Business US take from $100 in United States?
On a domestic $100 USD transaction, Wise Business US deducts $0.00 (0% + $0.00), leaving $100.00 net payout. If the buyer uses an international card requiring currency conversion, total deductions reach $0.93 (0.93%).
How much should I invoice to receive $100 after Wise Business US fees?
To net an exact $100.00 after domestic Wise Business US processing fees, charge $100.00. On cross-border FX transactions, charge $100.94.
Does Wise Business US handle VAT, GST, and US sales tax automatically?
No. Wise Business US 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 US 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 US takes $0.00, resulting in a 0% effective deduction.