Understanding fees and commissions

Smartcat applies fees in specific circumstances depending on how you use the platform. This article explains the types of fees that may apply to your account, for both suppliers and enterprise clients.

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• You have received a payment that is lower than expected and want to understand why

• You want to understand what fees apply to your payout method before selecting one

• You are an enterprise client and want to understand what charges may appear on your invoices

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For suppliers: Go to My Payouts and review the description of each payout method. Fees and limitations are shown per method. Your payout history shows amounts paid and any deductions applied.

For enterprise clients: Go to Payments → Invoices to review your invoice history.

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When you withdraw earnings, a processing fee may be deducted depending on your chosen payout method. Each method (bank transfer, PayPal, Payoneer, and others) has its own fee structure, shown in My Payouts when you select a method.

If your payout requires a currency conversion, a conversion spread applies. Smartcat uses current mid-market rates + 2.5% markup for currency conversions. See Understanding currency conversion on Smartcat for full details.

For international wire transfers, intermediary banks may deduct fees during the transfer. These typically range from $5 to $40 and are not controlled or reimbursed by Smartcat. See Why did I receive less money than expected? for more detail.

Smartcat does not deduct a platform commission from supplier earnings. Instead, a Marketplace commission is charged to the client on top of the freelancer's rate. The rate varies by subscription plan:

• End Customers: 20% (ForeverFree), 10% (Starter), 0% (Team/Enterprise)

• LSP customers: 10% for freelancers, 5% for vendors/agencies

Suppliers receive their full agreed rate. The only deductions from supplier payments are payout transaction fees (bank and payment processor charges), which are separate from the platform commission.

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Smartcat compensates suppliers for certain transaction costs incurred when withdrawing payments. Depending on your account setup, this may be reflected in your billing. See Vendor transaction costs and compensation for full details.

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• Fee structures vary by payout method and country. Review the details for your chosen method in My Payouts before selecting it

• Intermediary bank fees on wire transfers are outside Smartcat's control and cannot be predicted or reimbursed

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