Fees & exchange rates

A transparency page, not a sales pitch

We’re not going to claim PayStaff has the “best rates” without the numbers to back it up. This page explains how fees and currency conversion fit into a payment, in plain terms.

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How it fits together

Where fees sit in the payment flow

Every cross-border payment on PayStaff involves at least one currency conversion — Australian dollars into Philippine pesos — plus the underlying cost of moving money between the two countries. Those costs show up in two places: an explicit processing fee charged to the Australian client, and a disclosed spread built into the exchange rate applied at conversion. PayStaff’s commitment is to transparency in how both are presented — the rate and fee are shown before the client confirms funding, and again on the professional’s payout receipt.

Fee components

What can make up the cost of a transfer

Component

Description

Who typically pays

Payment processing fee

Cross-border transfer fee

FX conversion spread

Payout method fee

Cost of accepting and processing the client’s payment

Cost of moving funds between Australia and the Philippines

Difference between the wholesale market rate and the rate applied to the transfer

Any cost specific to how the professional receives funds

Australian client

Included within the processing fee — no separate charge

Reflected in the exchange rate shown at conversion

Filipino professional, only if their chosen method (e.g. certain e-wallets) charges one

A worked example

Illustrative only — not real figures

Say a Filipino professional logs 40 approved hours at AUD $30/hour. The invoice totals AUD $1,200.00.

$1,200.00
Approved invoice (hours × rate)

+ $30.00
Payment processing fee

$1,230.00
Total funded by the client

That AUD $1,200.00 is converted to PHP at the rate shown at the time of conversion. If the applied rate were, for illustration, 1 AUD = 36.50 PHP, the professional would see a payout of approximately PHP 43,800 — with the exact rate and any e-wallet fee displayed on the payout screen before they confirm it.

The figures above are illustrative only, to show how the pieces fit together. Your actual rate and fees are shown live in-app at the time of each transaction.

Fees FAQ

Common questions

Does the exchange rate change between funding and payout?
No — the rate is locked at the point of conversion, once the client’s payment is confirmed, so the amount shown to the professional is the amount they receive.
No platform-wide minimum applies. Very small transfers may see the processing fee represent a larger share of the total — this is shown up front so there are no surprises.
Yes. The applied exchange rate and total fee are shown on the funding confirmation screen before the client authorises payment.

Have specific numbers you need answered?

Talk to us about your typical transaction size and pay frequency.

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