Top 5 Cheapest Platforms to Receive USD Payments from Clients

Receiving international payments shouldn't cost a fortune. Yet many freelancers, remote workers, and global businesses lose a significant portion of their income to hidden fees, currency conversion losses, and slow transaction times.

To help you keep more of your money, here are the top 5 cheapest platforms to receive USD payments in 2025—plus a closer look at why Hurupay is the best choice for fast, low-cost transfers.

1. Hurupay — Best for Low Fees and Instant USDC Conversion

• Fee: Only 1% to receive USD

• Withdrawals: Free to local banks and mobile money

• Best Feature: Auto-converts USD to USDC stablecoin (avoids volatility, provides fast access)

Why Choose Hurupay?

• 1% flat fee (lower than PayPal's 4.4%+ or Wise's variable rates)

• Transparent pricing with no hidden charges

• Instant conversion to USDC, protecting you from currency fluctuations

• Withdrawals to local banks, crypto wallets, or mobile money are free or very low cost

Best for: Freelancers, remote workers, and businesses in emerging markets who want quick access to USD earnings with the lowest fees.

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2. Wise (formerly TransferWise) — Best for Mid-Range Transfers

• Fee: 0.4%–2% (depends on the currency and country)

• Withdrawals: Low-cost local bank transfers

• Best Feature: Uses real exchange rates with no markup

Wise is a popular option for receiving and converting USD, especially in regions where local banks are supported. Its real exchange rate feature ensures transparency, though fees vary depending on the transfer method.

3. PayPal — Most Popular but Expensive

• Fee: 4.4% + fixed fee (based on the sender's country)

• Withdrawals: Additional charges for currency conversion and bank transfers

• Best Feature: Widely recognized and accepted worldwide

Despite being the most used platform, PayPal is also among the most expensive. High fees and strict account limitations make it less ideal for cost-conscious users.

4. Payoneer — Good for Freelancers and Marketplaces

• Fee: 1%–3% depending on the source of payment

• Withdrawals: $1.50–$3.00 per transfer to bank accounts

• Best Feature: Integrates easily with freelance platforms like Fiverr, Upwork, and Deel

Payoneer is a favorite among freelancers because of its platform integrations. However, its fees for receiving and withdrawing funds are higher compared to newer alternatives like Hurupay.

5. Revolut — Best for EU/UK Users

• Fee: No fee for USD account; exchange fees apply after monthly limits

• Withdrawals: Free within allowance, fees beyond the limit

• Best Feature: Multi-currency account support and card spending options

Revolut is ideal for users in Europe or the UK who want a versatile platform with integrated budgeting and spending tools. It offers competitive rates within limits but isn’t as useful for those outside Europe.

Why Hurupay is the Best Alternative

Hurupay stands out from the rest because:

• It charges only a 1% receiving fee—cheaper than PayPal, Wise, and Payoneer

• Free withdrawals to banks and wallets, no minimum payout

• USDC auto-conversion eliminates delays and protects against local currency depreciation

• Works globally with support for clients and platforms across regions

Ideal for:

• Remote workers in Africa, Asia, and Latin America

• Freelancers paid through Upwork, Fiverr, or PayPal

• Creators monetizing on YouTube, TikTok, and digital platforms

• Businesses seeking low-cost international settlement tools

Final Thoughts

Choosing the right platform to receive USD payments can save you hundreds or even thousands of dollars annually. While Wise and Payoneer offer useful tools, and PayPal is convenient, Hurupay leads the way with lower fees, faster settlements, and more flexibility.

Tired of losing money to high fees?

Get Started with Hurupay Today and take control of your international income.