Payment apps
Wise vs Payoneer
Real fees on $25, $100 and $500 — and when to pick each. Wise keeps you more on a $100 sale.
| Sale price | Wise fees | Wise you keep | Payoneer fees | Payoneer you keep |
|---|---|---|---|---|
| $25.00 | - $1.85 | $23.15 | - $1.00 | $24.00 |
| $100.00 | - $2.30 | $97.70 | - $3.99 | $96.01 |
| $500.00 | - $4.70 | $495.30 | - $19.95 | $480.05 |
Based on each platform’s standard 2026 fees with no add-ons. Use the calculators for your exact category, store tier, or promoted listings.
When to pick Wise
- Converts at the true mid-market rate with a visible ~0.33–2% fee.
- Cheapest way to move money between your own currencies.
- Free local receiving accounts (USD, EUR, GBP and more).
When to pick Payoneer
- Built-in payout rails from Upwork, Fiverr, Amazon and other marketplaces.
- Client billing tools: request card (3.99%) or ACH (1%) payments.
- Working-capital and store integrations aimed at sellers.
Other comparisons
Frequently asked questions
Which is cheaper, Wise or Payoneer?+
On a $100 sale, Wise keeps more of your money. Wise charges $2.30 on $100 (you keep $97.70); Payoneer charges $3.99 (you keep $96.01). The answer can flip on very small or very large orders — use the full calculators for your exact numbers.
When should I choose Wise?+
Converts at the true mid-market rate with a visible ~0.33–2% fee. Cheapest way to move money between your own currencies. Free local receiving accounts (USD, EUR, GBP and more).
When should I choose Payoneer?+
Built-in payout rails from Upwork, Fiverr, Amazon and other marketplaces. Client billing tools: request card (3.99%) or ACH (1%) payments. Working-capital and store integrations aimed at sellers.
Can I use both Wise and Payoneer?+
Yes — many sellers cross-list to spread reach and compare what sells where. Just price each listing to cover that platform's specific fees so you stay profitable on either.
Where do these fee numbers come from?+
Each platform's published 2026 fee schedule, verified against its official help center. We update the rates as they change — see our methodology for details.