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Transparent fee modeling

Payment Fee Comparison

Compare payment provider fee assumptions in one place. Adjust percent, fixed, and FX markup inputs to see estimated net received for each provider.

Informational only

This tool compares fee assumptions you enter. Use it to model scenarios, then confirm fees directly with each provider.

  • Fees vary by corridor, customer type, and payment method.
  • FX markup is modeled as a percent of the source amount.

Inputs

Enter amounts and fee assumptions. Results update instantly.

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Same-currency transfer: FX markup not applied.

Provider assumptions

Edit the example rows or add new providers to compare.

FX markup applies only when currencies differ. Providers with all zero fees are shown as needing inputs.

FX markup applies only when currencies differ. Providers with all zero fees are shown as needing inputs.

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Notes

Last updated: 2026-01-26

  • Fee assumptions are saved locally in your browser.
  • Analytics events never include raw amounts or provider names.
  • FX markup is estimated as a percent of the source amount; mid-market conversion is not modeled.
  • Gruv fees use the same price engine as the pricing calculator.

Frequently Asked Questions

How does this fee comparison work?

You enter the percent fee, fixed fee, and FX markup assumptions for each provider. The calculator estimates total fees and net received based on your inputs.

What is FX markup?

FX markup is the spread added to a mid-market exchange rate. It is often embedded in the rate you receive rather than shown as a separate fee.

Why do results stay in the source currency?

This MVP models FX markup as a percent of the source amount but does not apply a live exchange rate conversion. Use it to compare fee assumptions, then confirm final conversion details with your provider.

Is this financial advice?

No. This tool is informational only and is not financial, tax, or legal advice.

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