What Payoneer costs you, and what you'd keep another way.

Only if the dollar is your local currency. Payoneer's own table charges 1%, minimum $1, to receive into an account in a currency that isn't yours. For a founder in India or Nigeria, every bank transfer into the USD account costs that, before the withdrawal.

Between 1.2% and 4%, depending on the currency corridor, with or without a conversion. Payoneer doesn't publish the rate for each country; your account's Fees page shows yours. The $1.50 flat fee applies only to US accounts withdrawing to US banks.

$29.95 a year, only if the account receives less than $6,000 in any 12 consecutive months.

Paid by three bank transfers and brought home once a month at a 2% withdrawal rate, about $89.40 a month, or $1,072.80 a year. At 4% it's more, at 1.2% less.

Where Wise is open to you, usually Wise: receiving dollars by local transfer is free, and converting to Indian rupees, for example, costs 0.42% plus $0.58 for a $1,000 transfer. But Wise gives USD details only where it lets people hold money, so it isn't open everywhere. The calculator says whether it's open where you live.

Clients pay the company's US bank by ACH, which Mercury doesn't charge for. Where Wise Business is open to you, the money goes home at Wise's fee; elsewhere by Mercury's international wire, with a 1% conversion fee. The company costs $309 a year with us from year two, and the calculator shows from what monthly amount the saving covers it.

Payoneer lists marketplace payouts as varying by marketplace. The calculator counts them as free to receive, so check the marketplace's own payout terms.