PayUtility was built to solve a simple problem: payment gateways hide their real fees.
Every time a freelancer or business receives a payment through PayPal, Stripe, Wise, or Payoneer, they lose money to fees they never see. Processing fees are just the beginning — the real cost comes from hidden currency conversion markups that can eat 3-4% of every international payment.
We believe payment fees should be transparent. Our free calculator shows you exactly how much each gateway takes from your money, including the hidden FX markups that gateways don't advertise.
Our calculator uses publicly available fee schedules from each payment gateway. We update rates regularly to ensure accuracy. All calculations happen in your browser — no data is sent to any server.
PayUtility is designed for: