# Wise Business fee calculator

URL: https://www.paydude.io/resources/tools/wise-business-fee-calculator
Type: Free interactive calculator
Summary: Calculate Wise Business card processing fees at your own volume and ticket size, and see the effective rate rather than the headline 2.9%.

Wise Business lets you take card payments through payment links, invoices and QR codes, and prices domestic and international cards differently. Drag both sliders — ticket size changes the answer as much as volume does, because the fixed per-transaction fee is a much bigger share of a small sale.

## Summary

Wise Business publishes 2.9% + 30¢ for domestic consumer cards in the US. International cards and business cards cost 4.2% + 30¢, which matters because Wise is mostly used to bill clients abroad. The effective rate you pay is always higher than the headline percentage, because the fixed fee is a bigger share of small payments. There is no monthly fee and no payout fee.

## How Wise Business prices card payments

Wise is best known for multi-currency accounts and cheap transfers. Card acceptance sits on top of that: you send a payment link, invoice or QR code, the customer pays by card, and Wise deducts its fee and pays the rest into your Wise balance in the currency the customer paid.

**Wise Business published US card rates, September 2026**

| Card type | Percentage | Fixed fee |
| --- | --- | --- |
| Domestic consumer card | 2.9% | 30¢ |
| International card | 4.2% | 30¢ |
| Business card (any country) | 4.2% | 30¢ |

The calculator uses the domestic rate. If most of your customers are overseas, or pay with company cards, use the 4.2% column below instead — that is the rate most Wise users actually pay.

> **Verify before you rely on this:** Published rates change, and Wise may quote you something different from its list price. These figures are its advertised US rates as of September 2026 — check the current rate card before making a decision on it.

## Why your effective rate is higher than the headline

A percentage takes the same share of every sale. A fixed fee does not — 30¢ is the same amount on a $5 charge as on a $500 one, so it costs a hundred times more of the small one proportionally.

**Wise Business effective rate by ticket size**

| Average transaction | Domestic fee | Domestic effective rate | International / business fee | International / business effective rate |
| --- | --- | --- | --- | --- |
| $5 | $0.45 | 8.90% | $0.51 | 10.20% |
| $10 | $0.59 | 5.90% | $0.72 | 7.20% |
| $25 | $1.03 | 4.10% | $1.35 | 5.40% |
| $50 | $1.75 | 3.50% | $2.40 | 4.80% |
| $100 | $3.20 | 3.20% | $4.50 | 4.50% |
| $250 | $7.55 | 3.02% | $10.80 | 4.32% |

## Who Wise Business suits

Freelancers, consultants and small agencies who invoice clients in several currencies and already hold a Wise account. Getting paid by card straight into a multi-currency balance, with no monthly fee, is genuinely convenient.

> **Worth knowing:** Wise card acceptance is built around links, invoices and QR codes rather than an embedded checkout. And because it is used mostly for cross-border billing, the 4.2% international and business-card rate is often the one that applies — compare on that figure, not the 2.9% headline.

## What this does not include

- The higher 4.2% rate on international and business cards, unless you enter it yourself
- Currency conversion if you move the balance into another currency
- Chargeback and dispute fees, which depend on your dispute rate
- Negotiated pricing, which is not publicly listed

For your real blended number across all of those, run one month of statements through the [effective rate calculator](https://www.paydude.io/resources/tools/effective-rate-calculator). If you bill abroad, the [international payment fees calculator](https://www.paydude.io/resources/tools/international-payment-fees-calculator) stacks the cross-border and FX costs. To see every provider side by side, use the [payment processor fee comparison](https://www.paydude.io/resources/payment-processor-fee-comparison).

**Paydude starts at 2.6% + 25¢** Published tiers that improve automatically with volume, and no monthly platform fee. — [See the rate card](https://www.paydude.io/pricing)

## Frequently asked questions

### How much does Wise Business charge to accept card payments?

In the US, Wise Business charges 2.9% + 30¢ for domestic consumer cards and 4.2% + 30¢ for international cards and for business cards from any country. There is no monthly fee and no payout fee.

### Why is my Wise effective rate higher than 2.9%?

Two reasons. The fixed 30¢ is a bigger share of small payments — at a $10 ticket the domestic effective rate is 5.90%. And any international or business card is charged 4.2% + 30¢, which for cross-border clients is often most of your volume.

### Does Wise Business have a monthly fee for card payments?

No. Wise advertises no monthly fee, no minimum contract and no payout fee for card acceptance. You pay the per-transaction fee only.

### How do I compare this to other processors?

Compare effective rates at your own average ticket size and card mix, not headline percentages. If most of your customers are abroad, compare other providers' international rates against Wise's 4.2%, not its 2.9%. The payment processor fee comparison table puts every provider side by side at three ticket sizes.