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Understanding Local and International Transaction Cross-Border Fees on PaidHR

When processing transactions with the PaidHR Wallet, it’s essential to know whether your payment will be charged as a local transaction ($5 per transaction) or an international transaction ($25 per transaction).

Below is a breakdown of how transaction fees are applied based on currency and destination.

Local Transactions

A transaction is considered local when funds are sent in the same currency to a bank account in the corresponding country.

For example, sending GBP to a UK bank account or USD to a US bank account qualifies as a local transaction.

Currencies Eligible for Local Transactions:

  • GBP – British Pounds (to a local GBP account in the UK)

  • DKK – Danish Krone

  • EGP – Egyptian Pound

  • ETB – Ethiopian Birr

  • EUR – Euro (to a local EUR account in Europe)

  • GBP – British Pound (to a local GBP account in the UK)

  • GHS – Ghanaian Cedi

  • KES – Kenyan Shilling

  • MAD – Moroccan Dirham

  • NGN – Nigerian Naira

  • RWF – Rwandan Franc

  • TND – Tunisian Dinar

  • USD – US Dollar (to a local USD account in the USA)

  • XAF – Central African CFA Franc (All African countries that accept XAF)

  • XOF – West African CFA Franc (All African countries that accept XOF)

  • ZAR – South African Rand

 

International Transactions

A transaction is considered international when funds are sent in a currency other than the recipient’s local currency or are transferred across borders.

For example, sending USD to a bank in Egypt or EUR to a bank in Nigeria is considered an international transaction.

Currencies Charged as International Transactions:

  • AED – United Arab Emirates Dirham

  • AUD – Australian Dollar

  • BDT – Bangladeshi Taka

  • BGN – Bulgarian Lev

  • BHD – Bahraini Dinar

  • BRL – Brazilian Real

  • CAD – Canadian Dollar

  • CHF – Swiss Franc

  • CNH – Chinese Yuan (Offshore)

  • CNY – Chinese Yuan

  • CZK – Czech Koruna

  • DKK – Danish Krone

  • EGP – Egyptian Pound

  • ETB – Ethiopian Birr

  • EUR – Euro (when sent to a non-European bank, e.g., sending EUR to a bank in Nigeria)

  • GBP – British Pound (when sent to a non-UK bank, e.g., sending GBP to a bank in Nigeria)

  • HKD – Hong Kong Dollar

  • HRK – Croatian Kuna

  • HUF – Hungarian Forint

  • IDR – Indonesian Rupiah

  • ILS – Israeli Shekel

  • INR – Indian Rupee

  • JPY – Japanese Yen

  • KWD – Kuwaiti Dinar

  • LKR – Sri Lankan Rupee

  • MXN – Mexican Peso

  • MYR – Malaysian Ringgit

  • NOK – Norwegian Krone

  • NZD – New Zealand Dollar

  • OMR – Omani Rial

  • PHP – Philippine Peso

  • PKR – Pakistani Rupee

  • PLN – Polish Zloty

  • QAR – Qatari Riyal

  • RON – Romanian Leu

  • SAR – Saudi Riyal

  • SEK – Swedish Krona

  • SGD – Singapore Dollar

  • THB – Thai Baht

  • TRY – Turkish Lira

  • USD – US Dollar (when sent to a non-US bank, e.g., sending USD to a bank in Egypt)

  • XAF – Central African CFA Franc (when sent to a non-African country or an African country where XAF is not legal tender)

  • XOF – West African CFA Franc (when sent to a non-African country or an African country where XOF is not legal tender)