Pay as you go. 5% per payment.
- No setup cost. No monthly fee.
- A business-ready invoice issued by Ruul for every payment.
- Payouts in as little as one business day.
Only when used
- +1.5%
- With Early Pay, the freelancer is paid once the client confirms the invoice, before the client pays it. Without it, payouts arrive as usual: within one business day after the client pays. +3.5%
An example in US dollars. Other currencies work too, with payouts in 140+ currencies.
Included with every account
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Supported in 190 countries
Works globally, with payments in 140+ currencies.
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Multiple payment options
Card or bank transfer for the client, bank or crypto for the freelancer.
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Built-in compliance checks
KYC and AML checks for freelancers, KYB checks for businesses.
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Real human support
Talk to a real person when you need help, from onboarding to payout.
[VOLUME PRICING]
Get a rate for your volume.
Slide to your monthly volume to see the range teams like yours pay. Our team confirms your rate.
$25,000 a month
Teams at this volume pay 4.25% to 4.5% per payment.
Thanks. Our team will get back to you at the email you gave us, usually within one business day.
For startups paying their first contractors and freelancers: 10% off Ruul's commission for 12 months, on top of no setup cost and no monthly fee.
- For companies new to Ruul. Existing Ruul accounts aren't eligible.
- Founded in the last 3 years.
- One application per company. Our team reviews each one.
- 10% off our commission for 12 months from approval.
Upload a payout batch once, review the details, and send payments in one run, with one invoice for the whole batch.
- Your business covers the commission on bulk payments. It can't be passed on to the contractor.
- Each payout is processed on its own, and you can track every one from sent to received.
- Discounted, volume-based rates are available depending on your volume.
Build contractor onboarding, compliance checks and global payouts into your product with one API. Built for marketplaces and platforms.
- KYC and AML checks for contractors, KYB checks for businesses.
- Revenue share rates are set case by case.
- Most teams go live in about 10 business days, with our development team alongside.
Prefer to talk right now?
[COMPARE FEES]
What the alternatives cost.
Ruul, Deel and Remote work with the contractor as a Contractor of Record. PayPal, Wise and the rest only move the money, so they're ranked on their own.
Client pays by
Across borders
Currency
| Provider | Fee | Fixed | Conversion | Total cost | Freelancer receives |
|---|---|---|---|---|---|
| Contractor of Record | |||||
| Ruul | $100 | $0 | $0 | $100 5% | $1,900 |
| DeelTypical range | $58Card payments add 2.9% (cards from the US or EU; 3.9% + $0.30 for others, not counted). | $325.30$325 a month, Deel's starting price, counted as one payment. $0.30 for each card payment. Not counted: payouts by PayPal cost 2.5%, by Payoneer 1% (at least $12). | about $26A typical 1.3%: the middle of third-party estimates (0.6% to 2%). Deel doesn't publish its markup. | $409.30 20.47% | $1,590.70 |
| RemoteTypical range | $70Card payments add 3.5%. | $325$325 a month, Remote's minimum, counted as one payment. | about $30A typical 1.5%: the middle of third-party estimates (1% to 2%). Remote doesn't publish its markup. | $425 21.25% | $1,575 |
| Payment only | |||||
| Stripe | $96 | $0.30 | $19.04 | $115.34 5.77% | $1,884.66 |
| PayoneerTypical range | $79.80 | $1.99 | $38.36 | $120.15 6.01% | $1,879.85 |
| PayPal | $99.80 | $0.49 | $75.99 | $176.28 8.81% | $1,823.72 |
| Wise | Doesn't take this payment method | ||||
| Bank wire | Doesn't take this payment method | ||||
Deel and Remote, read on 23 October 2026. Both bill the business a monthly fee; here it counts as one payment and comes off the same amount, so the totals compare. Remote charges 15% of the payment or $325 a month, whichever is higher. Deel publishes only a starting price of $325 a month and says its fee can be a share of each payment, so its fee here is typical: 15%, at least $325, the model Remote and Aspire, a reseller powered by Deel ($399 or 15%), publish. Card payments add 2.9% + $0.30 at Deel (cards from the US or EU) and 3.5% at Remote; bank transfers add $5 at both. Neither publishes its conversion markup, so conversion is typical too: the middle of third-party estimates, 1.3% for Deel (0.6% to 2%, Eightx) and 1.5% for Remote (1% to 2%, CostBench). Paid abroad in the same currency, the payout goes by SWIFT: about $7.50 at Deel, the middle of its $5 to $10, and about $35 at Remote, the middle of the $20 to $50 it says correspondent banks take. The "?" beside a figure says what is in it. Deel pricing, Deel's fee, Deel payment fees, Deel withdrawal fees, Remote pricing, Remote's fee, Remote payment fees, Remote payout fees, Aspire, Eightx, CostBench.
Rates read from each provider's pricing page on 2 October 2026. Payoneer and bank wire figures are typical ranges, not published rates. PayPal, Wise, Payoneer, Stripe.
Trusted by teams at
[FAQ]
Questions about pricing.
Beta Ruul AI can make mistakes. Check the articles it links.
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You create an invoice and send your client a payment link. Your client pays through the link without signing up. After payment, Ruul settles the transaction, issues a business-ready invoice to your client, and you receive the funds within 1 business day.
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Ruul is for freelancers and independent professionals providing digital or knowledge-based services who need a simple way to invoice clients and get paid.
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Yes. Freelancers and businesses based in countries restricted under FATF guidelines are not supported. In addition, certain industries such as gambling, betting, and other regulated activities are not allowed. Some services that require specific licenses or regulatory approval may also be restricted.
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Yes: 100 in EUR, USD or GBP.
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When your client's payment arrives, before your payout.
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Yes, you can add it to your client's invoice when you create it.
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You onboard contractors with built-in checks, contracts, and tax forms. Then you select and pay one or multiple contractors using your preferred payment method. Ruul acts as the legal counterparty, provides a business-ready invoice you can process easily, and the contractor receives their payout within 1 business day.
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Ruul charges a flat 5% commission per payment, with no setup or monthly fees. For a single payment you choose whether your business or the contractor covers it; on bulk payments your business covers it.
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Bulk payments aren't a feature you need to switch on. You can use them whenever you create a new payment from your dashboard. For bulk payments the commission is always covered by your business and can't be passed on to the contractor. Discounted, volume-based rates are available depending on your payment volume.
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Ruul acts as the Contractor of Record by becoming the legal counterparty for the payment. This means your company pays Ruul instead of the individual contractor. You receive a business-ready invoice with complete issuer details, while contractor payments are handled with consistent documentation and reduced compliance risk.
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Contractors can typically receive their payout in one business day after you pay. Timing can vary by payment method, country, and local banking rails.
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Yes. You can onboard and pay contractors in other countries. Ruul supports international onboarding and payments, and the required steps can vary by location, such as the forms collected and the checks completed.