{
  "version": "0.1.0",
  "checked": "2026-10-29",
  "currency": "USD",
  "notes": "Fee engine v0. US ways to get paid plus two send-money corridors. Percent values are percent of the payment; fixed values are USD per payment. Every entry carries its source and the date it was read. Promotional or plan-dependent rates are flagged.",
  "changelog": [
    {
      "date": "2026-10-30",
      "change": "Added 12 entries: Wise Business receiving, Shopify Payments (Basic, Grow, Advanced), Zelle for business, Payoneer withdrawal, and marketplace fees for eBay, Etsy, Upwork, Fiverr and Amazon. Payoneer receiving confirmed on its pricing page (was low confidence). Upwork and Fiverr are low confidence: their help pages refuse automated reads.",
      "entries": [
        "wise_business/receive_usd_local",
        "shopify_payments/online_card_basic",
        "shopify_payments/online_card_grow",
        "shopify_payments/online_card_advanced",
        "zelle/receive_business",
        "payoneer/withdraw_to_us_bank",
        "ebay/final_value_fee_most_categories",
        "etsy/transaction_fee",
        "etsy/payment_processing_us",
        "upwork/freelancer_service_fee",
        "fiverr/seller_service_fee",
        "amazon/referral_fee_most_categories"
      ]
    },
    {
      "date": "2026-10-30",
      "change": "First automated source check: 12 of 18 entries confirmed on their pricing pages, no fee changes found. Helcim, Payoneer and Cash App pages block automated reads and were confirmed by hand on 2026-10-29.",
      "entries": []
    }
  ],
  "receive": [
    {
      "platform": "stripe",
      "method": "card_online",
      "percent": 2.9,
      "fixed": 0.3,
      "extras": {
        "manual_entry_percent": 0.5,
        "international_card_percent": 1.5,
        "currency_conversion_percent": 1.0,
        "dispute_fee": 15.0
      },
      "source": "https://stripe.com/pricing",
      "checked": "2026-10-29"
    },
    {
      "platform": "stripe",
      "method": "card_in_person",
      "percent": 2.7,
      "fixed": 0.05,
      "extras": {
        "international_card_percent": 1.5,
        "tap_to_pay_fixed": 0.1
      },
      "source": "https://stripe.com/pricing",
      "checked": "2026-10-29"
    },
    {
      "platform": "stripe",
      "method": "ach_debit",
      "percent": 0.8,
      "fixed": 0,
      "cap": 5.0,
      "source": "https://stripe.com/pricing",
      "checked": "2026-10-29"
    },
    {
      "platform": "stripe",
      "method": "stablecoin",
      "percent": 1.5,
      "fixed": 0,
      "note": "Accept-stablecoins line; a separate 0.8% promotional rate through 2027-01-01 is listed for one stablecoin product.",
      "source": "https://stripe.com/pricing",
      "checked": "2026-10-29"
    },
    {
      "platform": "square",
      "plan": "free",
      "method": "card_online_or_invoice",
      "percent": 3.3,
      "fixed": 0.3,
      "note": "Square Plus ($49/mo) and Premium ($149/mo) charge 2.9% + 30¢.",
      "source": "https://squareup.com/us/en/pricing",
      "checked": "2026-10-29"
    },
    {
      "platform": "square",
      "plan": "free",
      "method": "card_in_person",
      "percent": 2.6,
      "fixed": 0.15,
      "note": "Plus 2.5% + 15¢, Premium 2.4% + 15¢. Manually keyed or card on file: 3.5% + 15¢ on all plans.",
      "source": "https://squareup.com/us/en/pricing",
      "checked": "2026-10-29"
    },
    {
      "platform": "square",
      "plan": "free",
      "method": "ach_invoice",
      "percent": 1.0,
      "fixed": 0,
      "min": 1.0,
      "note": "Plus and Premium cap the fee at $10.",
      "source": "https://squareup.com/us/en/pricing",
      "checked": "2026-10-29"
    },
    {
      "platform": "paypal",
      "method": "paypal_checkout",
      "percent": 3.49,
      "fixed": 0.49,
      "extras": {
        "international_percent": 1.5,
        "currency_conversion_spread_percent": 3.0,
        "dispute_fee": 15.0
      },
      "note": "Same rate for Pay with Venmo and guest checkout. Page last updated 2026-10-01.",
      "source": "https://www.paypal.com/us/business/paypal-business-fees",
      "checked": "2026-10-29"
    },
    {
      "platform": "paypal",
      "method": "card_online",
      "percent": 2.99,
      "fixed": 0.49,
      "extras": {
        "international_percent": 1.5,
        "currency_conversion_spread_percent": 3.0
      },
      "source": "https://www.paypal.com/us/business/paypal-business-fees",
      "checked": "2026-10-29"
    },
    {
      "platform": "paypal",
      "method": "goods_and_services",
      "percent": 2.99,
      "fixed": null,
      "note": "Page lists 2.99% for Send/Receive Money for Goods and Services with no fixed fee on that line; to confirm.",
      "source": "https://www.paypal.com/us/business/paypal-business-fees",
      "checked": "2026-10-29"
    },
    {
      "platform": "paypal",
      "method": "ach_pay_by_bank",
      "percent": 1.0,
      "fixed": 0,
      "cap": 10.0,
      "source": "https://www.paypal.com/us/business/paypal-business-fees",
      "checked": "2026-10-29"
    },
    {
      "platform": "venmo",
      "method": "business_profile",
      "percent": 1.9,
      "fixed": 0.1,
      "note": "Page also lists 2.29% + $0.09 for some business payments (likely QR / checkout). Personal account goods-and-services payments: 2.99%. Instant transfer out: 1.75% (min $0.25, max $25); standard transfer free.",
      "source": "https://venmo.com/resources/our-fees/",
      "checked": "2026-10-29"
    },
    {
      "platform": "cash_app",
      "method": "business_account",
      "percent": 2.6,
      "fixed": 0.15,
      "confidence": "low",
      "note": "Cash App help pages conflict: older pages say 2.75%; a newer page says 2.6% + $0.15 from 2025-06-01. Instant deposit 0.5–1.75%. Help page did not render; from search results.",
      "source": "https://cash.app/help/6522-create-a-cash-app-business-account",
      "checked": "2026-10-29"
    },
    {
      "platform": "helcim",
      "method": "card_online_or_keyed",
      "pricing": "interchange_plus",
      "markup_percent": 0.5,
      "markup_fixed": 0.25,
      "volume_tiers": [
        {
          "monthly_volume_up_to": 50000,
          "in_person": "IC + 0.40% + 8¢",
          "online": "IC + 0.50% + 25¢"
        },
        {
          "monthly_volume_up_to": 100000,
          "in_person": "IC + 0.35% + 7¢",
          "online": "IC + 0.45% + 20¢"
        },
        {
          "monthly_volume_up_to": 500000,
          "in_person": "IC + 0.25% + 7¢",
          "online": "IC + 0.35% + 20¢"
        },
        {
          "monthly_volume_up_to": 1000000,
          "in_person": "IC + 0.20% + 6¢",
          "online": "IC + 0.25% + 15¢"
        },
        {
          "monthly_volume_up_to": 5000000,
          "in_person": "IC + 0.15% + 6¢",
          "online": "IC + 0.15% + 15¢"
        }
      ],
      "extras": {
        "dispute_fee_if_lost": 15.0,
        "monthly_fee": 0
      },
      "note": "Interchange (IC) varies by card; Helcim says typical effective rates are near or below 2% in person and below 2.5% online.",
      "source": "https://www.helcim.com/pricing/",
      "checked": "2026-10-29"
    },
    {
      "platform": "helcim",
      "method": "ach",
      "percent": 0.5,
      "fixed": 0.25,
      "cap": 6.0,
      "note": "Plus 0.05% on amounts over $25,000. $5 per rejected ACH.",
      "source": "https://www.helcim.com/pricing/",
      "checked": "2026-10-29"
    },
    {
      "platform": "melio",
      "method": "ach_received",
      "percent": 0,
      "fixed": 0,
      "note": "Getting paid by bank transfer through a Melio payment request or link is free. Card payments received: 2.9% (payer or payee can cover it). Plans: Core free for 90 days then $25/mo.",
      "source": "https://melio.com/pricing",
      "checked": "2026-10-29"
    },
    {
      "platform": "melio",
      "method": "card_received",
      "percent": 2.9,
      "fixed": 0,
      "note": "Card payments received through a Melio payment request or link; the fee can be passed to the payer.",
      "source": "https://melio.com/pricing",
      "checked": "2026-10-29"
    },
    {
      "platform": "payoneer",
      "method": "receive_usd_from_client",
      "percent": 0,
      "fixed": 0,
      "min": 1.0,
      "confidence": "high",
      "note": "Receiving USD into a Payoneer receiving account by local bank transfer is free; getting it to a US bank costs $1.50 per withdrawal (see withdraw_to_us_bank). Payoneer calls its pricing page an estimate.",
      "source": "https://www.payoneer.com/pricing/",
      "checked": "2026-10-29",
      "extras": {
        "from_another_payoneer_user": 0,
        "withdraw_to_us_bank_fixed": 1.5
      }
    },
    {
      "platform": "wise_business",
      "method": "receive_usd_local",
      "percent": 0,
      "fixed": 0,
      "extras": {
        "receive_usd_wire_or_swift_fixed": 6.11,
        "one_time_account_setup_fee": 31
      },
      "note": "Receiving USD by domestic ACH into a Wise Business USD account is free; USD wires and Swift cost $6.11. One-time $31 set-up fee for the business account.",
      "source": "https://wise.com/us/pricing/receive",
      "checked": "2026-10-29",
      "confidence": "high"
    },
    {
      "platform": "shopify_payments",
      "method": "online_card_basic",
      "percent": 2.9,
      "fixed": 0.3,
      "extras": {
        "plan_monthly_usd": 39,
        "plan_annual_per_month_usd": 29,
        "third_party_gateway_extra_percent": 2.0
      },
      "note": "Basic plan ($39/mo). Grow plan ($105/mo): 2.7% + 30¢; Advanced ($399/mo): 2.5% + 30¢. Using another gateway adds 2% / 1% / 0.6% on top of its fees.",
      "source": "https://www.shopify.com/pricing",
      "checked": "2026-10-29",
      "confidence": "high"
    },
    {
      "platform": "shopify_payments",
      "method": "online_card_grow",
      "percent": 2.7,
      "fixed": 0.3,
      "extras": {
        "plan_monthly_usd": 105,
        "third_party_gateway_extra_percent": 1.0
      },
      "source": "https://www.shopify.com/pricing",
      "checked": "2026-10-29",
      "confidence": "high"
    },
    {
      "platform": "shopify_payments",
      "method": "online_card_advanced",
      "percent": 2.5,
      "fixed": 0.3,
      "extras": {
        "plan_monthly_usd": 399,
        "third_party_gateway_extra_percent": 0.6
      },
      "source": "https://www.shopify.com/pricing",
      "checked": "2026-10-29",
      "confidence": "high"
    },
    {
      "platform": "zelle",
      "method": "receive_business",
      "percent": 0,
      "fixed": 0,
      "extras": {
        "limits_and_fees_set_by": "your bank or credit union"
      },
      "note": "Zelle itself charges nothing. Business accounts depend on the bank: it sets any fee and the daily/monthly limits, and must offer Zelle for business. No chargeback protection; payments are final.",
      "source": "https://www.zelle.com/faq/small-business",
      "checked": "2026-10-29",
      "confidence": "high"
    },
    {
      "platform": "payoneer",
      "method": "withdraw_to_us_bank",
      "percent": 0,
      "fixed": 1.5,
      "extras": {
        "percent_fee_after_50000_monthly_volume": "up to 0.5%"
      },
      "note": "Per withdrawal of USD to a US bank account. Payoneer calls its pricing page an estimate; the account's Fees section is authoritative.",
      "source": "https://www.payoneer.com/pricing/",
      "checked": "2026-10-29",
      "confidence": "high"
    },
    {
      "platform": "ebay",
      "method": "final_value_fee_most_categories",
      "kind": "marketplace",
      "percent": 13.6,
      "fixed": 0.4,
      "extras": {
        "fixed_if_order_10_or_less": 0.3,
        "percent_on_portion_over_7500": 2.35,
        "insertion_fee_after_250_free_per_month": 0.35
      },
      "note": "Most categories: 13.6% of the sale total up to $7,500 per item, plus $0.30 per order of $10 or less or $0.40 above. Other categories differ.",
      "source": "https://www.ebay.com/help/selling/fees-credits-invoices/selling-fees?id=4822",
      "checked": "2026-10-29",
      "confidence": "high"
    },
    {
      "platform": "etsy",
      "method": "transaction_fee",
      "kind": "marketplace",
      "percent": 6.5,
      "fixed": 0,
      "extras": {
        "listing_fee": 0.2,
        "listing_duration": "4 months or until sold"
      },
      "note": "On item price plus shipping and gift wrap. Charged in addition to payment processing.",
      "source": "https://help.etsy.com/hc/en-us/articles/115015628847-What-are-Payment-Processing-Fees-for-Selling-on-Etsy",
      "checked": "2026-10-29",
      "confidence": "high"
    },
    {
      "platform": "etsy",
      "method": "payment_processing_us",
      "kind": "marketplace",
      "percent": 3.0,
      "fixed": 0.25,
      "extras": {
        "listing_fee": 0.2
      },
      "note": "On the total order including tax and shipping. A $100 Etsy sale costs about $6.50 + $3.25 + $0.20 = $9.95 in Etsy fees before offsite ads.",
      "source": "https://help.etsy.com/hc/en-us/articles/115015628847-What-are-Payment-Processing-Fees-for-Selling-on-Etsy",
      "checked": "2026-10-29",
      "confidence": "high"
    },
    {
      "platform": "upwork",
      "method": "freelancer_service_fee",
      "kind": "marketplace",
      "percent": 10,
      "fixed": 0,
      "extras": {
        "range_percent": [
          0,
          15
        ]
      },
      "note": "Upwork's help pages refused automated reads. Secondary sources describe a variable 0–15% fee set per contract, with 10% typical; withdrawal fees not confirmed. Treat as approximate until read from Upwork's page.",
      "source": "https://support.upwork.com/hc/en-us/articles/211062538-Learn-about-the-Freelancer-Service-Fee",
      "checked": "2026-10-29",
      "confidence": "low"
    },
    {
      "platform": "fiverr",
      "method": "seller_service_fee",
      "kind": "marketplace",
      "percent": 20,
      "fixed": 0,
      "extras": {
        "buyer_fee_percent": 5.5,
        "buyer_fixed_on_small_orders": 3.5
      },
      "note": "Fiverr's help center refused automated reads; 20% is from secondary sources. Buyer-side 5.5% + $3.50 on orders under $200 per a summary of Fiverr's help page. Treat as approximate until read from Fiverr's page.",
      "source": "https://help.fiverr.com/hc/en-us/articles/360050216133-Paying-for-orders-extras-or-custom-offers",
      "checked": "2026-10-29",
      "confidence": "low"
    },
    {
      "platform": "amazon",
      "method": "referral_fee_most_categories",
      "kind": "marketplace",
      "percent": 15,
      "fixed": 0,
      "min": 0.3,
      "extras": {
        "individual_plan_per_item": 0.99,
        "professional_plan_monthly": 39.99
      },
      "note": "15% in Home & Kitchen and Everything Else; many categories differ (8% to 45%). Minimum $0.30 per item.",
      "source": "https://sell.amazon.com/pricing",
      "checked": "2026-10-29",
      "confidence": "high"
    }
  ],
  "send": [
    {
      "corridor": "USD->MXN",
      "pay_in": "bank_transfer",
      "quotes": [
        {
          "amount": 1000,
          "provider": "wise",
          "recipient_gets": 18716.04,
          "rate": 18.8607
        },
        {
          "amount": 1000,
          "provider": "remitly",
          "recipient_gets": 18668.06,
          "rate": 18.7053
        },
        {
          "amount": 1000,
          "provider": "western_union",
          "recipient_gets": 18474.37,
          "rate": 18.5112
        },
        {
          "amount": 1000,
          "provider": "wells_fargo",
          "recipient_gets": 18290.56,
          "rate": 18.2906
        },
        {
          "amount": 1000,
          "provider": "chase",
          "recipient_gets": 18206.67,
          "rate": 18.2982
        },
        {
          "amount": 1000,
          "provider": "paypal",
          "recipient_gets": 17788.04,
          "rate": 17.8773
        },
        {
          "amount": 200,
          "provider": "wise",
          "recipient_gets": 3727.82,
          "rate": 18.8607
        },
        {
          "amount": 200,
          "provider": "wells_fargo",
          "recipient_gets": 3658.11,
          "rate": 18.2906
        },
        {
          "amount": 200,
          "provider": "western_union",
          "recipient_gets": 3639.39,
          "rate": 18.3798
        },
        {
          "amount": 200,
          "provider": "remitly",
          "recipient_gets": 3614.56,
          "rate": 18.2544
        },
        {
          "amount": 200,
          "provider": "chase",
          "recipient_gets": 3568.14,
          "rate": 18.2982
        },
        {
          "amount": 200,
          "provider": "paypal",
          "recipient_gets": 3486.24,
          "rate": 17.8773
        }
      ],
      "caveat": "Collected and published by Wise, which is also a provider in the list.",
      "source": "https://wise.com/us/compare/?sourceCurrency=USD&targetCurrency=MXN&sendAmount=1000",
      "checked": "2026-10-29"
    },
    {
      "corridor": "USD->INR",
      "pay_in": "bank_transfer",
      "quotes": [
        {
          "amount": 1000,
          "provider": "remitly",
          "recipient_gets": 95110.48,
          "rate": 95.1105
        },
        {
          "amount": 1000,
          "provider": "western_union",
          "recipient_gets": 94729.75,
          "rate": 94.7298
        },
        {
          "amount": 1000,
          "provider": "wise",
          "recipient_gets": 94565.76,
          "rate": 95.218
        },
        {
          "amount": 1000,
          "provider": "wells_fargo",
          "recipient_gets": 92292.93,
          "rate": 92.2929
        },
        {
          "amount": 1000,
          "provider": "chase",
          "recipient_gets": 91804.97,
          "rate": 92.2663
        },
        {
          "amount": 200,
          "provider": "wise",
          "recipient_gets": 18837.93,
          "rate": 95.218
        },
        {
          "amount": 200,
          "provider": "western_union",
          "recipient_gets": 18757.44,
          "rate": 94.7298
        },
        {
          "amount": 200,
          "provider": "remitly",
          "recipient_gets": 18642.6,
          "rate": 95.1105
        },
        {
          "amount": 200,
          "provider": "wells_fargo",
          "recipient_gets": 18458.59,
          "rate": 92.2929
        },
        {
          "amount": 200,
          "provider": "chase",
          "recipient_gets": 17991.93,
          "rate": 92.2663
        }
      ],
      "caveat": "Collected and published by Wise, which is also a provider in the list. PayPal not listed for this corridor.",
      "source": "https://wise.com/us/compare/?sourceCurrency=USD&targetCurrency=INR&sendAmount=1000",
      "checked": "2026-10-29"
    }
  ]
}