Interactive side-by-side settlement comparator evaluating Net Landed Amount, Effective Basis Point Friction, and Intermediary Deductions.
Net Landed Amount
Rs1366391.98
Net Landed Amount
Rs1362272.20
Net Landed Amount
Rs1373258.27
Editorial · 3 comparison guides · updated 24 Sep 2026
The rails a foreign invoice actually crosses do not appear on the client's PDF. These guides quantify the hidden layers — correspondent SHA hops, retail FX spreads, withdrawal fees and conversion markups — and reckon each pair down to a single all-in number you can verify in the calculator.
Where a $15–$35 correspondent SHA cut and a 2.5%–4.2% retail FX spread disappear from your invoice, and how Wise Business keeps the mid-market rate behind a flat ~0.45%–0.7% transparent fee.
SWIFT field 71A decides who eats the correspondent bank's charges. SHA lets $15–$35+ of intermediary cuts land on your payout; OUR forces the sender to cover every charge. Here is the contract clause that locks the full amount down.
A direct bank wire drags a $15–$35 SHA cut and a 2.0%–4.2% retail spread through your invoice. Payoneer bills 2–3% to withdraw and a conversion markup on top. The number neither side quotes — the true all-in cost — is what this guide reckons.