Research Reports19 min read
The Freelance Payment Penalty: A Modeled Audit of Platform Fees, FX Spreads, and Payout Delays
The money rarely disappears through a single, easy-to-spot fee. The real loss is stacked. A marketplace takes its commission, a processor adds a charge for international cards, a bank or payment company converts the currency at a spread, a platform holds the funds before release, and a wire sheds a little to intermediaries on the way in. Each layer looks defensible on its own, but the worker feels the combined result as a smaller deposit and a later payday.
freelance payment feescross-border paymentsplatform fees+8 more
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