The wire cuts and FX margins quietly draining your contractor payroll.
Add every contractor you pay abroad. PayoutDelta models your roster across 208 corridors and computes the two silent frictions in classic SWIFT payroll: the correspondent SHA cut and the retail bank FX margin — then benchmarks what flat-fee B2B rails (Wise Business, Airwallex, Payoneer) would keep in your treasury, and exports the whole audit as a one-click executive PDF.
Monthly Gross Payroll$21000.00
Annual Gross Payroll$252000.00
Annual SHA Wire Cuts$2100.00
Annual Retail FX Margin$7812.00
Annual Treasury Leakage
Your agency loses $9912.00 USD every year to silent banking friction.
$2100.00 leaks into correspondent SHA cuts and $7812.00 evaporates in retail bank FX margins.
Net Annual Saving
Flat-fee B2B rails keep $9324.00–$9450.00 of it in your treasury.
Moving the roster off classic correspondent SWIFT holds annual friction at roughly $462.00–$588.00 — the same roster, priced at mid-market.
Contractor
Corridor
Invoice / mo
SHA / yr
FX leak / yr
#01
usd-to-pkr
$300.00
$1116.00
#02
usd-to-pkr
$300.00
$1116.00
#03
usd-to-pkr
$300.00
$1116.00
#04
usd-to-pkr
$300.00
$1116.00
#05
usd-to-inr
$300.00
$1116.00
#06
usd-to-inr
$300.00
$1116.00
#07
usd-to-cop
$300.00
$1116.00
B2B Rails vs Classic SWIFT — Annual Comparison
Classic band = correspondent SHA cut ($15–$35) + retail spread (2.0–4.2%). B2B band = flat fee ($5.50–$7.00) at mid-market. Savings are the annualized midpoint delta at each line's gross.
Intermediary SHA Wire Deductions$2100.000.83% of gross · per-hop correspondent cut
Retail Bank FX Margin Spread$7812.003.10% of gross · undisclosed spread capture
Net Annual Recoverable Capital$9324.00–$9450.00if routed via wholesale clearing rails · residual fee $462.00–$588.00
Total reconciled annual banking friction across the population is $9912.00, of which the correspondent SHA deduction is $2100.00 and the retail FX margin is $7812.00. Reinstating the population onto wholesale clearing rails at published flat fees recovers the band above into the reporting entity's treasury.
II. Granular Contractor Roster — Line-Level Deduction Ledger
Contractor ID
Jurisdiction / Destination Rail
Monthly Gross
Correspondent SHA Loss
FX Spread Markup
Net Landing Yield
Recommended Action
PD-001
PakistanUSD-TO-PKR · Raast
$3000.00
$300.00
$1116.00
$34584.00
FX-led: re-price on Raast at mid-market · +$1341.00 modelled / yr
PD-002
PakistanUSD-TO-PKR · Raast
$3000.00
$300.00
$1116.00
$34584.00
FX-led: re-price on Raast at mid-market · +$1341.00 modelled / yr
PD-003
PakistanUSD-TO-PKR · Raast
$3000.00
$300.00
$1116.00
$34584.00
FX-led: re-price on Raast at mid-market · +$1341.00 modelled / yr
PD-004
PakistanUSD-TO-PKR · Raast
$3000.00
$300.00
$1116.00
$34584.00
FX-led: re-price on Raast at mid-market · +$1341.00 modelled / yr
PD-005
IndiaUSD-TO-INR · IMPS / NEFT / RTGS
$3000.00
$300.00
$1116.00
$34584.00
FX-led: re-price on IMPS / NEFT / RTGS at mid-market · +$1341.00 modelled / yr
PD-006
IndiaUSD-TO-INR · IMPS / NEFT / RTGS
$3000.00
$300.00
$1116.00
$34584.00
FX-led: re-price on IMPS / NEFT / RTGS at mid-market · +$1341.00 modelled / yr
PD-007
ColombiaUSD-TO-COP · ACH SEBRA
$3000.00
$300.00
$1116.00
$34584.00
FX-led: re-price on ACH SEBRA at mid-market · +$1341.00 modelled / yr
Population total
$21000.00
$2100.00
$7812.00
$242088.00
Recover $9324.00–$9450.00 p.a. on wholesale rails
III. Statutory Compliance & Safe-Harbor Checklist — Active Population
Pakistan · Raast
□ Statutory purpose code —Purpose code 9111 (export of services remittance)□ Mandatory realization certificate — ePRC (electronic Profit Rate Certificate) plus PSB registration□ Safe-harbour route — PSEB registration active, with the registration number quoted on the remittance adviceDestination rail — Raast / BEFTN · State Bank of Pakistan · T+0 (seconds) · issuing authority State Bank of Pakistan
India · IMPS / NEFT / RTGS
□ Statutory purpose code —Purpose code P0802 (export of services remittance)□ Mandatory realization certificate — FIRC / Inward Advice evidencing the inward credit of the export of services□ Safe-harbour route — P0802 purpose code and a statutory auditor's Form 15CB for the outward remittanceDestination rail — IMPS / NEFT / RTGS · Reserve Bank of India · T+0 (seconds) · issuing authority Reserve Bank of India
Colombia · ACH SEBRA
□ Statutory purpose code —RUT and tax residency certificate□ Mandatory realization certificate — Certificado de residencia fiscal supported by the RUT□ Safe-harbour route — Residency certificate accepted by DIANDestination rail — SEBRA / ACH · Superintendencia Financiera de Colombia · T+0 (seconds) · issuing authority Banco de la República de Colombia
RESTRICTED FINANCIAL MEMORANDUM
PayoutDelta is informational tooling, not financial, tax or legal advice. Roster leakage models use benchmark intermediary and spread bands compiled from the public corridor dataset; actual deductions land on each bank's credit advice (CRF) and must be verified against the beneficiary country's statutory withholding regime before invoicing.