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 defaults are illustrative mid-range figures, not any platform's live quote. Replace them with the rates your account and region actually show before you 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; go by the rate and fees your account shows when you withdraw.
Can I quote off this result?
Use it as a direction, but fees change with amount, currency, region and promotions; the final word is each platform's official page in real time.