Wise vs Paddle Fee Calculator
Compare Wise (0.65% + $0.45) vs Paddle (5.0% + $0.5) processing fees side by side.
Verified 2026 standard rate
0.65% + $0.45
Global Transfers
Wise Fee Schedule Table ($10 to $10,000)
| Invoice Amount | Wise Fee | You Receive (Net) | Ask For (Zero Fee Loss) |
|---|---|---|---|
| $10 | -$0.52 | $9.48 | $10.52 |
| $25 | -$0.61 | $24.39 | $25.62 |
| $50 | -$0.78 | $49.22 | $50.78 |
| $100 | -$1.10 | $98.90 | $101.11 |
| $250 | -$2.08 | $247.92 | $252.09 |
| $500 | -$3.70 | $496.30 | $503.72 |
| $1000 | -$6.95 | $993.05 | $1007.00 |
| $2500 | -$16.70 | $2483.30 | $2516.81 |
| $5000 | -$32.95 | $4967.05 | $5033.17 |
| $10000 | -$65.45 | $9934.55 | $10065.88 |
How Wise Fees Work in 2026
Wise operates in the Global Transfers sector with a standard transaction rate of 0.65% plus a fixed fee of $0.45 per transaction. For example, on a $100.00 payment, Wise deducts $1.10, leaving you with a net payout of $98.90. On a $1,000.00 transaction, your net payout is $993.05 after the $6.95 processing fee. If you accept international payments or currency conversions, an additional 0.0% cross-border fee may apply. Meanwhile, Paddle operates in the SaaS & Merchant of Record sector with a standard transaction rate of 5.0% plus a fixed fee of $0.50 per transaction. For example, on a $100.00 payment, Paddle deducts $5.50, leaving you with a net payout of $94.50. On a $1,000.00 transaction, your net payout is $949.50 after the $50.50 processing fee. If you accept international payments or currency conversions, an additional 0.0% cross-border fee may apply.
The formula (Verified 2026)
- Fee
- amount × 0.65% + $0.45
- International add-on
- +0.0% of the amount
- Invoice to receive an exact net
- (amount + $0.45) ÷ (1 − 0.65%)
- Official Rate Reference
- Wise Official Fee Schedule 2026 ↗