They want to pay in another currency. Here’s what lands.

The quote was dollars. The send is not.

In 2026 the thread still reads “we’ll pay in euros” or “accounts can only wire GBP” after you already sent a USD number. Nobody multiplied. They assumed the same digits in another alphabet are the same money. They are not. Five thousand of their units is only $5,000 if the USD-per-unit you actually get is 1. If you type 1.08, those same 5,000 units are $5,400 before anyone’s processor takes a cut.

The number you need to keep still comes from the hub: a yearly target, realistic billable hours, and a tax slice you pick there. This FX card does not copy that slider and does not run a 50-state filing table. Figures here wear a USD sign so 5,000 × 1.08 is readable. If that hourly number is still a shrug, build it on how to set a freelance rate before you treat a foreign send as covering the week.

Extra keep = amount they send you type × USD-per-unit YOU type. That product is what lands before their processor. The USD-per-unit starts at 1.08 only because that is the worked example on this card. It is a number you can change. It is not EUR mid-market. It is not GBP mid-market. It is not a corridor this page fetched. Paste the USD-per-unit from the conversion screen you already have. If you do not have one yet, do not guess — leave the card, get the quote, then type it.

Worked USD: 5,000 × 1.08 = $5,400 before their processor

First preset: amount they send 5,000. USD-per-unit you type 1.08. Extra keep: 5,000 × 1.08 = $5,400. That $5,400 is what lands before Stripe, Wise, PayPal, or a bank wire takes anything. If the original USD quote was also $5,000, you are looking at $400 more than the dollar they already agreed — only because you typed 1.08, not because this page published a pair.

That $5,400 is not a rail comparison. It is not a wait. It is not a vendor receipt. It is the foreign send expressed in the dollars you live on, using a USD-per-unit you pasted.

Second preset: same 5,000 units, you typed 1.00. Extra keep $5,000. Vs a $5,000 USD quote the gap is $0. Parity is a number you typed, not a claim that any pair sits at 1.

Third preset: they send 2,500 of the units at the same 1.08 you typed. Extra keep: 2,500 × 1.08 = $2,700. Against a $5,000 USD quote you are $2,300 short before the processor. Fewer units is not a favor. It is a smaller product.

This card is not the other money cards

This is not the processor. Card percent, ACH cap, domestic receive, USD wire, Instant Payout, a convert percent you paste from a dashboard — that cut lives on Stripe vs Wise. Run this product first. Then take $5,400 (or whatever you typed) over there and subtract the rail. Do not drop a guessed pair into that page’s convert-% field and call it this product. Two steps. Conversion you typed here. Processor take there.

This is not a wait. Cash this week from a deposit vs 100% in N days is the Net 30 vs deposit card. 30 is a worked example on that card, not an APR. A foreign send can also be Net 30. That does not make the units into days. Price the conversion here. Price the calendar there. Two numbers if they asked for both.

This is not selling a net invoice. Keep = invoice you type × (1 − share you type), cost = invoice × share, lives on the invoice-factor card. Worked there: $5,000 × 0.03 → keep $4,850, cost $150. You type the share. That haircut is not 5,000 × 1.08. Convert here first if they send foreign units; sell the dollar invoice there if the client is net and you want cash this week from a buyer of the bill.

This is not a vendor bill they asked you to put on your card. Stock licenses, foundry invoices, ad spend, a subcontractor PDF — those receipts multiply by one plus a share you enter on expense markup. A share of zero means they repay the cost; a share you type is keep on that line. EUR they wire you is not a Getty PDF.

This is not a PayPal merchant table. Checkout / Venmo / Guest, card, Pay Later, ACH cap — those percents and the $0.49 USD invoicing fixed fee live on PayPal invoice fees. If they pay the converted amount through a PayPal invoice, gross the rail there after you know what lands here. Do not fold a 3.49% into the USD-per-unit on this card.

This is not “they want it in another language.” A second-language extra is hours you type × floor on the translation card. Paying you in GBP is not translating the deck. This is not a marketplace take (Upwork / Fiverr) and not a closet SKU on the seller-fee mill. Do not clone a listing-fee table onto a wire.

You type the USD-per-unit. This page will not invent an FX rate

Blogs love a tidy EURUSD. This card does not ship one. No mid-market snapshot. No 2026 corridor chart. No “from 0.23%” borrowed from someone else’s pricing page. The 1.08 in the worked example is a digit you can replace. If your conversion screen says something else, type that. If it says nothing yet, do not invent 1.08 as official.

The optional unit label (EUR, GBP, …) is a word for the sentence. It does not look up a pair. Changing the label from blank to EUR does not change $5,400. Only the send and the USD-per-unit you type change the product.

After the product exists, the processor still sits on Stripe vs Wise. Confirm the live cut in the dashboard you actually use. This page will not mint a Stripe percent, a Wise receive fee, or a PayPal invoicing row so you can skip that step.

Send the sentence before you accept the foreign send

Name the original USD quote if you have one. Name how many units they send. Name the USD-per-unit you typed. Name what lands before their processor. Copy from the card so the note matches the screen.

• Worked 5,000 × 1.08. The quote was USD. They send 5,000 units at 1.08 USD per unit I typed. That lands $5,400.00 before their processor ($400.00 vs a $5,000.00 USD quote). This is not a mid-market table and not a Stripe/Wise percent. Please confirm the send and the USD-per-unit before I treat this as paid.
• You typed 1.00. The quote was USD. They send 5,000 units at 1.00 USD per unit I typed. That lands $5,000.00 before their processor ($0.00 vs a $5,000.00 USD quote). Parity is a number I typed, not a published pair.
• They send 2,500. The quote was USD. They send 2,500 units at 1.08 USD per unit I typed. That lands $2,700.00 before their processor (−$2,300.00 vs a $5,000.00 USD quote). Fewer units is a smaller product.

Skip speeches about “just take euros, it’s basically the same.” If they will not name the send and you do not have a USD-per-unit from a real quote, do not block the week on a guessed pair. If they also asked you to wait, price the wait on Net 30 vs deposit as a second line. If the hourly number is still a shrug, build it on how to set a freelance rate.

Planning numbers, not a multi-currency invoice

Education only — not a lawyer, not a tax desk, not an FX desk, not collections, and not a 50-state filing table. No official EURUSD. No GBP table. No Wise/Stripe percent. Use the conversion screen you already have. If you need an enforceable multi-currency payment line, counsel where you work drafts it before you accept the send. Typing here does not mint that clause and does not turn a Slack ping into a paid invoice.

You enter the send, the USD-per-unit, an optional original USD quote, an optional unit label. The card prints extra keep = send × USD-per-unit, what lands before their processor, an optional gap vs the USD quote, and one sentence you can paste. USD signs on this page; currency picker and tax slice stay on the hub. Processor take stays on Stripe vs Wise.

Rate calculator Stripe vs Wise — processor take Net 30 vs deposit — the wait Sell the net invoice — keep after a share PayPal invoice fees Build the hourly number

If the weeks you can bill changed, recast the hourly number on the hub. They want to pay in another currency — print what lands here. Subtract the rail on Stripe vs Wise. A wait they also named is Net 30 vs deposit. A net invoice you sell for cash this week is invoice-factor. A PayPal invoice on the converted amount is PayPal invoice fees. A vendor receipt they asked you to buy is expense markup.

FAQ