Below is a summary table of fee structures (integration fees, account maintenance, transaction costs, FX spreads, etc.) for HUBFX and selected competitors. Most providers tailor pricing to client volume, so many fees (especially for platform/API integrations) are bespoke or require contacting sales. Notable differences and unique models are highlighted after the table.
| Provider | Integration Fee (one-off) | Account Fee | Transaction Costs / Fees | FXMargin / Spread | Other / Notes |
| HUBFX | Bespoke (no public setup fee) | No monthly fee (account maintenance free) | ~0.25 % oftransfer + fixed per-paymentfee 1 (plus anycorrespondent charges) | Near mid- market FX rates 1 | Volumediscounts available; API integration available |
| Wise Platform | No setup fee (API- based) | ~US$31 one- time (US)2 ; nomonthly fee | Fixed fee +from ~0.33–0.57 % ofamount 3 4 | ~0.3–0.6 % above mid- market | Fullytransparent pricing; no inactivity fee |
| Airwallex | No setup fee 5 | No monthly ormaintenance fee 6 | Cardacceptance:2.80–4.30 % + US$0.30 7 (domestic vs international).Transfers:Local banktransfers free; SWIFT ~US$10– 15 8 . | 0.5–1.0 % aboveinterbank9 | Free multi-currencyaccounts; freecorporate cards(employee card cost ~US$5/mo)10 ; noinactivity fee |
| Payoneer | No setupfee (partner integration) | No monthly fee(US$29.95annualinactivity fee)11 | Receivepayments:~3.99 % (credit/ debit cards)7 . Localpayouts: up to 1 % (oftenwaived for Payoneer-to- Payoneer);SWIFT:≤US$15 8 . | ~0.5–3 %above mid- market 12 | US$29.95annual fee for prepaid card; fixed fees on incomingwires 13 |
| Provider | Integration Fee (one-off) | Account Fee | Transaction Costs / Fees | FXMargin / Spread | Other / Notes |
| Nium | Custom(contact sales) | No public monthly fee | Negotiatedtiered pricing per transaction 14 ; fees and FX set in client’s pricing plan | Negotiated per client14 | Custom fee/ FX engine(supports flat, percentage,tiers) 14 |
| Rapyd | Bespoke (contact sales) | No public monthly fee | Cardacquiring:Interchange++ – 0.20–1.80 %(interchange) + 0.02–0.65 %(scheme) 15 + Rapyd’sacquirer fee16 . Otherpayment fees (local payouts, e‑wallets, etc.) are negotiated. | N/A (card- focused) | Offers multi- currencywallets/accounts (via consultation); transparentcard fees 1516 |
• HUBFX: No public list prices. One industry source notes ~0.25 % per payment plus a fixed fee 1 . FX is offered at near-wholesale rates (i.e. very small mark-up on the mid-market rate) 1 . There are no account maintenance charges. Fees such as SWIFT/
intermediary charges are passed through to customers.
• Wise Platform: Wise uses a “pay-as-you-go” model with no monthly fees and no hidden charges. There is a one-off account setup fee (e.g. about US$31 in the US 2 ), after which transfers incur a small fixed fee plus a variable percentage. Business transfers typically start around 0.33–0.57 % of the amount 3 4 . Wise’s FX conversion fees are similarly a few tenths of a percent above
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mid-market. All charges are fully transparent on an API quote.
• Airwallex: Integration is free and accounts have no maintenance fee 17 . Airwallex’s fees are
clearly published. For example, card payment acceptance fees are 2.80 %+US$0.30 (domestic) or
4.30 %+US$0.30 (international) 7 . Global bank transfers (SWIFT) cost roughly US$10–15 8 , while local transfers incur no fee. FX conversions use ~0.5–1.0 % spread over the interbank rate
9 . Unique features include free multi-currency corporate and employee cards, though there is a small monthly cost (~US$5) for each employee card under their expense management tools
10 . Airwallex also imposes no inactivity or monthly account fees.
• Payoneer: Payoneer offers no setup or monthly fees, but charges for transactions. Receiving
money via cards is about 3.99 % 7 . Bank payouts can incur up to 1 % fee (often waived for
same-currency/P2P) and SWIFT wires up to US$15 8 . FX markups range from ~0.5–3 % above mid-market, depending on the corridor 12 . Payoneer adds a US$29.95 annual fee for its prepaid card, and the same amount as an inactivity fee if there is no activity in a year 11 . Payoneer’s
model is less flexible than API platforms, focusing on fixed-fee structures.
• Nium: Nium’s BaaS pricing is entirely bespoke. Fees (per-transaction and FX) are configured in advance per client, with support for tiered and one-off fees 14 . In practice, fintech partners
negotiate integration packages that include monthly or volume tiers and spread schedules. No public rates are published; prospective clients must engage with Nium’s sales team.
• Rapyd: Rapyd uses interchange++ pricing for card services 15 16 , meaning it passes through card network/interchange fees (typically 0.20–1.80 % plus 0.02–0.65 % scheme fees) and adds its own small acquirer fee. This tends to be competitive for large volumes. Rapyd’s multi-currency wallet and global account features are sold via custom quotes, with no general price list. Its
volume discounts and clear interchange pricing are a key differentiator (the interchange++ model ensures transparency) 15 16 .
Key Takeaways: HUBFX and Wise emphasise low FX spreads (mid-market rates) and transparent, usage-based fees 1 3 . Airwallex offers broad features (cards, local payments, etc.) with no setup or account fees, and FX at modest markups 9 18 . Payoneer’s structure suits freelancers/ sellers (fixed-percentage fees and occasional fixed charges 19 ). Nium and Rapyd price on a case-by- case basis: Nium via negotiated tiered plans 14 , Rapyd via interchange++ (transparent but contact for exact quote 15 16 ).
Sources: Official fee schedules and documentation from each provider (links in table) and industry analyses 1 2 9 18 14 15 . All data is current as of 2024–2025.
1 New Fintech Partnership: HUBFX Links With Banking Services | Crowdfund Insider https://www.crowdfundinsider.com/2016/09/89727-new-fintech-partnership-HUBFX-links-banking-services/
2 3 Airwallex vs. Wise: Compare fees, features, and benefits in the US https://www.airwallex.com/us/blog/comparison-wise-vs-airwallex
4 Wise Business Fees & Pricing: Only Pay for What You Use https://wise.com/us/pricing/business
5 6 9 17 Pricing & fees | Airwallex Official Site https://www.airwallex.com/us/pricing
7 8 10 11 12 13 18 19 Payoneer vs Airwallex: Which is Better for US Businesses? – Wise https://wise.com/us/blog/payoneer-vs-airwallex
14 Fees | Nium Documentation https://docs.nium.com/docs/fees
