{"id":"transfer-fees","summary":"Cost of a cross-border payment at published provider pricing, exchange-rate markup included.","method":"POST","inputSchema":{"type":"object","properties":{"amount":{"type":"number","description":"Amount sent, in USD"},"pctFee":{"type":"number","description":"Your provider percentage fee (optional custom quote)"},"fixedFee":{"type":"number","description":"Your provider flat fee"},"fxMarkupPct":{"type":"number","description":"Your provider markup over the mid-market rate"},"recipientFee":{"type":"number","description":"Fee deducted on arrival"}},"required":["amount"]},"exampleInput":{"amount":5000,"pctFee":0.55,"fixedFee":0,"fxMarkupPct":0,"recipientFee":0},"exampleOutput":{"checked":"2026-09-01","custom":{"id":"custom","name":"custom","explicitFee":27.500000000000004,"fxCost":0,"recipientFee":0,"totalCost":27.500000000000004,"received":4972.5,"effectivePct":0.0055000000000000005,"fxDisclosed":true,"source":"","noteKey":""},"providers":[{"id":"hsbc","name":"HSBC USA","explicitFee":0,"fxCost":0,"recipientFee":0,"totalCost":0,"received":5000,"effectivePct":0,"fxDisclosed":false,"source":"https://www.us.hsbc.com/international-banking/international-payments/","noteKey":"hsbc"},{"id":"wise","name":"Wise","explicitFee":27.35,"fxCost":0,"recipientFee":0,"totalCost":27.35,"received":4972.65,"effectivePct":0.00547,"fxDisclosed":true,"source":"https://wise.com/us/compare/wise-usd-to-eur","noteKey":"wise"},{"id":"bofa","name":"Bank of America","explicitFee":45,"fxCost":0,"recipientFee":15,"totalCost":60,"received":4940,"effectivePct":0.012,"fxDisclosed":false,"source":"https://www.bankofamerica.com/foreign-exchange/wire-transfer-fees/","noteKey":"bofa"},{"id":"paypal","name":"PayPal","explicitFee":4.99,"fxCost":199.80040000000002,"recipientFee":0,"totalCost":204.79040000000003,"received":4795.2096,"effectivePct":0.04095808000000001,"fxDisclosed":true,"source":"https://www.paypal.com/us/webapps/mpp/paypal-fees","noteKey":"paypal"},{"id":"payoneer","name":"Payoneer","explicitFee":50,"fxCost":173.25000000000003,"recipientFee":0,"totalCost":223.25000000000003,"received":4776.75,"effectivePct":0.04465000000000001,"fxDisclosed":true,"source":"https://www.payoneer.com/about/pricing/","noteKey":"payoneer"}],"cheapest":{"id":"wise","name":"Wise","explicitFee":27.35,"fxCost":0,"recipientFee":0,"totalCost":27.35,"received":4972.65,"effectivePct":0.00547,"fxDisclosed":true,"source":"https://wise.com/us/compare/wise-usd-to-eur","noteKey":"wise"},"note":"Providers without a published exchange-rate markup are listed with fxDisclosed false and excluded from the cheapest claim."}}