Payment Tools
& Calculators
Free tools to calculate costs, validate IBANs, and understand global payment rails — no account required.
True Cost Rate Calculator
See the all-in cost of paying contractors via SWIFT wire, Wise, or Bitwage — including FX spread, fees, and settlement delay cost. Enter your corridor and amount to get a side-by-side breakdown.
Contractor Cost Calculator
Enter your number of contractors, average payment size, and frequency — get an instant cost comparison between Bitwage, wire transfer, and Wise, plus your projected annual savings.
IBAN Lookup
Validate IBAN numbers, look up bank details for SEPA transfers, and find IBAN formats by country. Covers 77+ countries with BIC/SWIFT code lookup included.
Payment Glossary
Plain-English definitions of 175+ global payments terms — ACH, SEPA, SWIFT, FX spread, correspondent banking, stablecoin rails, and more. Search or browse by category.
Country Payment Guide
How to pay contractors in 60+ countries — local rails, IBAN requirements, supported payment methods, processing times, and compliance notes for each country.
Stablecoin Peg Tracker
Live USDC and USDT peg data vs USD — track deviations, historical stability, and liquidity across major exchanges. Essential for treasury teams using stablecoins for payroll.
Ready to act on the numbers?
Once you've run the calculator, see how Bitwage makes those savings real for your team.