Free international supplier-payment cost analysis

See the full cost of an international supplier payment.

Enter the details of a completed payment to estimate its total cost and effective cost rate—and identify charges that still need to be confirmed.

No personal information is required to use the calculator. Your entries stay in your browser unless you choose to submit the optional review form.

What this calculator does

Analyzes a completed bank payment using the actual figures you enter
Separates payer-side costs from deductions taken from the supplier’s receipt
Estimates FX costs and payment-processing labor where applicable
Flags unconfirmed charges instead of making assumptions

Why the result is useful

Uses the actual figures from your completed payment
Keeps RICE Pay pricing out of the calculation for an unbiased baseline
Flags every unconfirmed cost instead of hiding it
Gives your team a practical starting point for comparing payment routes

Payment amount and supplier receipt

Use one analysis currency for all monetary amounts so that the result can be compared consistently.

Analysis currencyRequiredEnter a three-letter code such as USD, EUR or KRW.Invoice or agreed payment amount (USD)RequiredAgreed amount due to the supplier (USD)Leave blank if it was the same as the invoice amount.Amount actually credited to the supplier (USD)Leave blank if it has not been confirmed. Express it in the analysis currency.

Bank and payment-route charges

Enter the amount actually charged after any discount or promotion—not a bank's published list price.

Sending-bank fee (USD)Other payer-side charges (USD)

Intermediary-bank fee status

Beneficiary-bank fee status

Foreign-exchange conversion

If the bank converted currency, compare the market benchmark with the rate actually applied.

Was currency conversion applied?

Payment-processing time and settlement

Include the work required to prepare, approve, confirm and file this payment.

Staff time spent, in minutesFully loaded hourly staff cost (USD)Hours until the supplier could use the fundsFee arrangement (OUR/SHA/BEN)

Leave an item blank if you do not know it. Enter 0 only when no cost or time was incurred. Blank items will be listed as unconfirmed and may make the displayed estimate lower than the actual total.