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Global Contractor Compliance & EoR 2026 • $29/mo vs $599/mo EoR

Remote.com Payroll Calculator

Calculate contractor management ($29/mo), Contractor Plus IP shielding ($49/mo), and full-time EoR payroll budgets across global teams.

Contractor Tier
Contractor ($29/mo)

Automated localized contracts, W-8BEN/W-9 tax filings, and 70+ currencies.

IP Protection
Contractor Plus ($49/mo)

Remote IP Guard indemnity up to $100k for code and patent transfer.

Full-Time Entity
Employer of Record ($599/mo)

Own-entity infrastructure across 80+ countries with statutory benefits.

$
Total Monthly Employer Budget $29/mo × 3 workers
Monthly Total:
$10,587.00
Annualized: $127,044.00/yr
Gross Team Payout: $10,500.00
Remote.com Platform SaaS Fee: +$87.00

Remote.com Plan Comparison Matrix

Feature / Service Contractor ($29) Contractor Plus ($49) EoR ($599)
Contract Type Independent Contractor Contractor + IP Shield Full-Time Employee
IP & Code Protection Standard Assignment Remote IP Guard ($100k Indemnity) 100% Local Entity Owned
Statutory Benefits & Insurance Not Applicable Not Applicable Local Health, Pension & PTO
Tax Forms Handled W-8BEN, W-9, 1099-NEC W-8BEN, W-9, 1099-NEC Local Country Statutory Tax
PDF Slip
In Plain English: Calculating payout breakdown...

Fee Wealth Leakage Radar & Profit Drag

Compounded Wealth & Margin Impact
Payment Volume: 20 / month
Your Net Profit Margin: 20% Margin
5% (Low Margin Ecom) 20% (Agency) 50% (SaaS/Digital)
Annual Fee Drain
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Direct processor cut/yr
3-Year Outflow
-
Cumulative friction
5-Yr Future Wealth
-
Lost @ 8% investment
Profit Drag %
-
Of your net profit taken
Bottom-Line Net Profit Split:
85.3% Kept 14.7% Absorbed by Fee

Multi-Rail Arbitrage ("Switch & Save")

Compare 42 Global Rails →
Remote.com Payroll (Current)
-
Active Baseline
ACH Direct Debit
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Save +$0.00
In-Person Terminal
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2.6% + 10¢
Int'l Card (+1.5% FX)
-
Cross-Border Markup
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
Target Net Payout
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Compliant Surcharge
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Final Gross Invoice
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⚖️ 2026 Legal Surcharging Compliance Rules:

• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.

• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.

• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.

Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
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Was this Remote.com Payroll calculation accurate today? Updated with published 2026 merchant rates.

Remote.com Fee Architecture & Cost Breakdown (2026)

Understanding payment deductions on Remote.com requires evaluating fixed per-transaction fees, percentage processing cuts, and platform commissions:

Bank ACH Direct Debit
1.00% (Capped at $5-$10)

Bank transfer rail with strict dollar fee caps, saving thousands on large corporate contracts.

Online Credit Card Payment
2.90% - 3.49% + 25¢

Standard credit card acceptance on invoices for clients prioritizing points or corporate cards.

Instant Deposit Surcharge
+1.00% to +1.75%

Optional fee to transfer invoice proceeds to your debit card within 30 minutes instead of 2-day bank clearing.

Mathematical Profit & Breakeven Derivations

Setting selling prices without accounting for blended transaction deductions causes margin erosion. Use this algebraic gross-up formula:

Target Price Derivation Formula
Gross Invoice = (Target Net Payout + Fixed Fee) / (1 - Variable Rate)

Reverses payment processing deductions so the client covers fees and you receive 100% of your consulting contract.

Strategic Margin Defense: 4 Protocols for Remote.com

Implement these operational treasury tactics to maximize net take-home earnings:

1

Incentivize ACH on Invoices Above $500: Leverage the $5-$10 fee cap to save 90%+ compared to credit card processing.

2

Add Gross-Up Surcharges for Credit Cards: Specify in contract payment terms that card payments incur a 3% processing convenience fee.

3

Automate Weekly Late Payment Reminders: Trigger automated invoice reminders to accelerate DSO (Days Sales Outstanding).

4

Disable Instant Payout Options: Rely on standard 2-day ACH settlement to eliminate the 1.5% instant transfer penalty.

Frequently Asked Questions

What are Remote.com's pricing tiers for international hiring in 2026? ▼

Remote.com charges $29.00 USD per contractor per month for contractor management, and $599.00 USD per employee per month (or $699/mo on monthly billing) for full Employer of Record (EOR) services.

Why is Remote.com's contractor management fee cheaper than Deel? ▼

Remote.com charges $29/mo per active contractor compared to Deel's $49/mo, saving businesses $240 per contractor annually while still providing localized compliant contracts, invoice automation, and IP protection.

What is Remote.com's owned-entity Employer of Record model? ▼

Unlike aggregators that subcontract to third-party local agencies, Remote.com owns and operates its legal entities in 80+ countries, ensuring uniform compliance, stronger data protection (GDPR/SOC2), and direct control over benefits administration.

What is Remote Contractor Management Plus (Contractor Misclassification Protection)? ▼

Remote Contractor Management Plus guarantees full indemnification against contractor misclassification claims, backed by Remote's legal infrastructure, charging $99/mo per contractor.

What are Remote.com's contractor payout options and processing times? ▼

Contractors receive payouts via local direct deposit in their home currency or international SWIFT wire with zero contractor-side withdrawal deductions and transparent wholesale foreign exchange rates.

What is Remote Relocation and how does it support international visas? ▼

Remote Relocation assists companies in sponsoring work permits, digital nomad visas, and permanent residency for employees moving internationally, coordinating legal and tax paperwork end-to-end.

What are the employer burden costs on Remote EOR? ▼

In addition to Remote's $599/mo fee, employers pay mandatory local statutory costs (pension, health insurance, social security, paid leave reserves), which vary by country from 10% to 35% of the base salary.

How do I calculate the annual corporate savings of using Remote.com vs Deel for 10 contractors? ▼

Remote.com = 10 x $29 x 12 = $3,480/yr. Deel = 10 x $49 x 12 = $5,880/yr. Annual savings with Remote.com = $2,400.00.

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