Your payment infrastructure determines how much of each payment you keep. Compare Wise, Payoneer, and Stripe.
The difference between good and bad payment setup can be $2,000-5,000/year.
Local bank details in 10+ countries. Clients pay you like a local. Conversion: 0.4-1.5%. Holds 40+ currencies.
Best for: International freelancers receiving from multiple countries.
Deeply integrated with Upwork, Fiverr, Amazon. Free Upwork withdrawals. Worse exchange rates (1.5-3% markup).
Best for: Marketplace workers.
Clients pay invoices by credit card. 2.9% + $0.30 per transaction. Available in 46 countries.
Best for: Freelancers who invoice directly and want card payments.
Wise for international bank transfers. Stripe for card payments. Local bank for local clients.
Free to start. No bank connection needed. 150+ currencies, tax estimates for 20 countries.
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