Getting-paid tools
Wise vs Payoneer take-home comparison calculatorSame payment, different fee structures — only your real numbers can tell which keeps more.
There's no absolute winner between Wise and Payoneer: they charge differently, so change the amount and the answer can flip. Put each side's fees in as the numbers your account actually shows, and this tool computes take-home side by side and tells you, for this payment, who wins and by how much.
The boxes start with typical rates, just as a starting point. Swap in the rates your two accounts and region actually charge, then read the result.
Enter an amount to compare Wise and Payoneer take-home
Why there's no "always cheaper" one
Wise is often "a lower percentage fee + one fixed fee", with transparent rates; Payoneer commonly stacks a receiving fee plus the conversion loss when you move money to your local bank. On small amounts the fixed fee's share is amplified; on large ones the percentage and cash-out loss dominate. So the answer depends on how big this payment is and how you plan to get the money out — running your real numbers is the reliable way.
For a more systematic take, read Wise or Payoneer: the cheaper one depends on how you get paid; to build the cost into your quote, use the quote gross-up calculator.
FAQ
Why does the winner flip when I change the amount?
Because one side leans on a fixed fee and the other on a percentage plus cash-out loss. Small amounts penalize the fixed fee; large ones penalize the percentage, so which is cheaper swaps around the crossover. That's exactly why you should use your real amount.
What's Payoneer's "local cash-out loss"?
The loss when you move your balance to a local bank and a currency conversion is involved. It varies a lot by region; when you start a withdrawal in Payoneer, the rate and fee show before you confirm, so enter those two numbers.
Can I quote off this result?
Use it to decide which channel to use, but rerun it with that day's rates from both accounts before a figure goes into a quote, because fees change with amount, currency, region and promotions.