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Transparent Fee Modeling

Compare payment providers side-by-side

Adjust percent, fixed, and FX markup inputs to estimate the net received for each provider. Pressure-test vendor evaluations before procurement.

Percent + fixedFX markup3-provider compare
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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.

Fee modeling

Compare provider fee structures side by side to shortlist options, then confirm final pricing and terms in provider quotes.

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

How it works

  1. 01

    Enter amount + currency

    The transaction size and source currency you are modeling.

  2. 02

    Add provider assumptions

    Percent fee, fixed fee, and FX markup for each vendor.

  3. 03

    See side-by-side net

    Estimated fees and net received per provider.

  4. 04

    Run sensitivity checks

    Flex ticket sizes and markups before signing.

Keep going

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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 so you can compare assumptions side-by-side.
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.
What fees are not included here?+
This model focuses on core fees and FX markups. Items like chargebacks, intermediary bank fees, payout network fees, provider minimums, and tiered pricing should be layered into the final evaluation.
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 (rates, fees, settlement timing) with your provider.
How should I use this in a vendor evaluation?+
Start with realistic fee assumptions, then run sensitivity checks (different ticket sizes, FX markups, and fixed fees). Pair the outputs with operational checks like reconciliation exports, failure reasons, and status webhooks.
Is this financial advice?+
Use this as a planning model to compare provider fee structures quickly, then finalize legal, tax, and provider-specific terms during procurement review.
Global network background

The fee gap you just spotted is the pitch for Gruv.

Route invoicing and payouts through Gruv's Merchant of Record flow to collapse fixed fees, FX markups, and corridor shrinkage onto a single transparent line.

Many teams pilot in weeks; timelines depend on scope and integrations.