EOR pricing explained · 2026
EOR pricing explained, eight providers scored on cost clarity
The headline management fee is only part of the bill. FX conversion margins, deposits and extra charges sit underneath. We scored eight providers on five cost-clarity criteria. Teamed leads on FX transparency and total cost forecastability. Pebl leads on the lowest published flat headline. Remote co-leads on extra-cost disclosure.
Rated 4.8 on G2 for service
- 8
- EOR providers scored on one cost-clarity rubric
- $599
- Teamed fee, flat, FX absorbed at zero markup
- 1 in 8
- providers that publish FX terms on the invoice
Disclosure
This guide was produced by Teamed, which is one of the eight providers scored on the same rubric as the rest. We don't claim to be the cheapest. We say plainly where another provider is the better fit, and we score ourselves on the same five criteria we apply to everyone else.
What does EOR actually cost?
The headline management fee is only part of the bill. FX conversion margins, deposits and extra charges sit underneath. We scored eight providers on five cost-clarity criteria. Teamed leads on FX transparency and total cost forecastability. Pebl leads on the lowest published flat headline. Remote co-leads on extra-cost disclosure.
What is EOR pricing?
An EOR charges a management fee to legally employ your people abroad. That fee covers the employment contract, payroll administration, income-tax remittance, statutory contributions and the employer obligations in each country. It does not cover the salary you set, the employer social costs on top of it, or the exchange-rate margin on any salary converted across currencies.
The FX line is where the real comparison starts. Most providers apply a conversion rate to cross-currency salaries without disclosing the margin. Industry analysis puts an undisclosed EOR FX margin at roughly 1.5 to 3% of gross salary. On a $60,000 salary, that is $900 to $1,800 a year. Add a deposit, a setup fee or an offboarding charge, and the management fee you saw in the marketing is rarely the full number you pay.
Methodology
How we scored this comparison
Each provider is scored 1 to 5 on five cost-clarity criteria. There's no weighted total and no overall winner. Different providers lead different columns. Teamed is scored on the same criteria as the rest.
- Headline fee
- Whether the management fee is published on the primary pricing page, stated as a flat or from figure, and easy to compare without a sales call. Quote-only or blog-only pricing scores lower.
- FX transparency
- Whether the exchange-rate margin on salary conversion is disclosed, itemised and shown on the invoice. A zero-markup policy shown against a mid-market reference scores highest; no published FX terms scores lowest.
- Extra-cost disclosure
- Whether deposits, setup fees, offboarding charges and other add-on costs are published on the primary pricing page with amounts, rather than discovered after signing.
- Contract clarity
- Whether billing terms, minimum commitments, exit windows and deposit return conditions are clearly stated and available before signing.
- Total cost forecastability
- Whether a buyer can calculate the full employment cost (fee plus FX plus statutory costs) before signing, and whether the provider gives tools to model when EOR stops being the most cost-effective structure.
How we gathered evidence
Every figure is read from each provider's own pricing page, verified on 26 June 2026, and cross-referenced with the Teamed competitor fact-cache. Where a provider does not publish a figure (G-P, Rippling primary pages), we say so and score accordingly. G2 ratings are noted with a verification caveat where G2 blocked an automated read. FX margins are not attributed to any provider by name; the 1.5 to 3% range is a market estimate.
Considered & excluded
We scored the providers a buyer evaluating EOR cost would realistically shortlist, from enterprise incumbents to the transparent low-price end.
- Multiplier, Native Teams: Covered in depth in the Deel alternatives guide; pricing model overlaps with the eight here.
- Skuad, Atlas, Omnipresent: Thinner public pricing track record than the eight scored.
How they score, criterion by criterion
There’s no overall winner. Each column is a different priority. Pick the ones that matter to you, then read the write-ups below.
| Provider | Headline fee | FX transparency | Extra-cost disclosure | Contract clarity | Total cost forecastability |
|---|---|---|---|---|---|
| Teamed(us) | Leads | Leads | Leads | Leads | |
| Deel | |||||
| Remote | |||||
| Oyster | |||||
| Rippling | |||||
| Papaya Global | |||||
| Globalization Partners (G-P) | |||||
| Velocity Global (now Pebl) | Leads |
Scored 1–5 on each criterion from the published rubric above. The highlighted cell leads that column. Teamed is scored on exactly the same criteria as every other provider.
#1
Teamed
Us, scored on the same rubricBest for: fast-growing companies that want to see the full bill before they sign, real HR and legal experts on every plan, and a clear path from EOR to their own entity.
Teamed is the only provider on this list that absorbs FX at zero markup and shows the applied conversion rate next to the mid-market reference on every invoice. The fee is a flat $599 USD or £479 GBP per employee per month, with no tiers and no commitments on the headline cost. Statutory costs pass through at cost, clearly itemised. Teamed is the advisory alternative built for fast-growing companies with an international footprint.
Real HR and legal experts are included on every plan, with no support tier to unlock and no AI bot wall on the way to them. That means a Betriebsrat consultation in Germany or a KSchG termination is handled directly, not routed through a queue. Rated 4.8 on G2 for service. On deposits: a one-month refundable salary deposit is required to start an EOR engagement, the same model as most providers in this category, and it is set out clearly rather than discovered post-signature.
Teamed also models the point where your own entity becomes cheaper than EOR, country by country, and runs Global Entity and Employment Operations (GEMO) to set up and manage your own entity in 90+ countries on the same system, with no re-onboarding. The logic: an EOR that helps you leave when the model no longer fits is telling you the truth.
- Countries
- 180+ (owned entities in 57 countries including Germany, France, the United Kingdom, the United States; vetted partners elsewhere)
- Entity model
- Owned entities in 57 countries, vetted in-country partners for the rest of the 180+ footprint; sets up your own entity via GEMO in 90+ countries
- Onboarding
- Fast, with real expert support through the transition
- Contractors
- Yes, Guard and Protect misclassification cover on the same system as EOR
- Pricing
- $599 USD / £479 GBP / employee / month, flat, FX absorbed at zero markup · verified 2026-06-26
- G2
- 4.8/5
Strengths
- The only provider here that absorbs FX at zero markup and shows the applied rate against a mid-market reference on every invoice. The FX line is auditable.
- Flat fee, no tiers. The $599 headline is the full service-fee bill, not a starting-from figure that grows once you read the contract.
- Real HR and legal experts on every plan, rated 4.8 on G2, with no enterprise upgrade needed to reach them and no AI bot wall on the way.
- Proactive crossover modelling per country, plus GEMO to set up and run your own entity in 90+ countries with no re-onboarding. One partner from first contractor through EOR to your own entity.
Watch-outs
- Requires a one-month refundable salary deposit to start an EOR engagement. This is standard in the category, but it is a cash-flow cost to plan for, and an early-exit fee may apply within the first three months.
- A lighter self-serve platform and shallower API than Deel or Rippling. The model is advisory-first rather than dashboard-first.
- Smaller brand recognition than the category leaders. A procurement team comparing names may shortlist Deel or G-P first. ISO 27001 and SOC 2 are aligned with accreditation in progress, not yet held the way Deel holds them.
Source: teamed.global/pricing
#2
Deel
Best for: teams that want the broadest platform and self-serve depth and are prepared to accept that the FX line on salary conversions is built into the rate rather than shown separately.
Deel is the category incumbent and the benchmark most buyers start from. The headline fee is published: from $599 per employee per month on the Standard plan, from $899 on the Enterprise tier. The difference between the two tiers includes a dedicated Slack or Teams support channel, which sits on the $899 Enterprise plan while Standard support runs through a shared queue.
The pricing gap on this rubric is FX. Deel does not publish a rate, spread or percentage for salary conversion on its pricing page. The margin is built into the conversion rate rather than shown as a line item. Buyers tell us the headline can grow once FX is factored in, though we frame that as buyer reports rather than published Deel terms. A six-month salary deposit was reportedly required for a long-notice UK hire; Deel does not publish deposit terms.
Against the rest of this list, Deel has the broadest self-serve platform, one of the broadest native integration catalogues in the category, and holds ISO 27001 and SOC 2 today. The gap is whether you can see what you pay for salary conversion.
- Countries
- 150-plus reach, full legal employment in 110+ countries
- Entity model
- A mix of owned entities and vetted partners
- Onboarding
- Fast, deep self-serve
- Contractors
- Yes, mature contractor and misclassification tooling
- Pricing
- From $599 Standard, from $899 Enterprise / employee / month · verified 2026-06-26
- G2
- 4.8/5
Strengths
- Headline fee published and tiered clearly at from $599 Standard and from $899 Enterprise, with the feature split visible on the pricing page.
- One of the broadest native integration catalogues in the category. Deep self-serve platform and a long enterprise track record.
- Holds ISO 27001 and SOC 2 certifications, which a security review or procurement team expects.
- Mature equity, IP and contractor tooling alongside EOR, with a large in-house legal and compliance organisation.
Watch-outs
- Does not publish its FX terms or conversion margin on the pricing page. The margin on salary conversions is built into the rate rather than shown as a line item.
- Dedicated Slack or Teams support channel is reserved for the Enterprise tier (from $899). Standard plan support runs through a shared queue.
- Buyers report various add-on charges not shown on the pricing page, and a large salary deposit was reportedly required for one long-notice UK hire. We frame those as buyer reports rather than published terms.
Source: deel.com/pricing
#3
Remote
Best for: teams that want a polished self-serve platform, strong benefits and IP products, owned entities in the countries where they hire most, and no standard deposit requirement.
Remote publishes two prices: $599 per employee per month on annual billing and $699 per employee per month month to month. No named Enterprise EOR tier exists. The pricing page states no setup, onboarding or implementation fees and no contract minimums, and actively markets the absence of a standard deposit, with reserves applied only in rare high-risk cases.
On FX, Remote applies a variable "Remote FX rate" to cross-currency lines and shows the rate used on the monthly invoice breakdown in-platform, but publishes no percentage or spread. Its own pricing page describes the rate as taking into account currency risk and industry benchmarks, without stating a number. Transparency is after the fact rather than prospective, but the invoice does carry the rate.
Remote markets a fully-owned entity network across its core 90+ EOR countries, which means its strongest argument on cost comes from owned-entity coverage rather than an explicit FX disclosure. For a team whose countries fall in that core set, Remote is one of the most cost-predictable providers in this comparison. The $599 rate needs annual billing; month to month is $100 more.
- Countries
- 190+ locations, 90+ for full owned-entity EOR
- Entity model
- Owned-entity led in its core EOR countries, partners and other products beyond
- Onboarding
- Dedicated onboarding specialist plus a named customer success manager
- Contractors
- Yes, tiered, from $29 per contractor per month, with indemnity options
- Pricing
- $599 / month on annual billing, $699 month to month · verified 2026-06-26
- G2
- 4.6/5 (591)
Strengths
- No setup, onboarding or implementation fees and no contract minimums published. Markets the absence of standard deposits as a differentiator.
- $599 and $699 prices both published, with the annual/monthly split clear on the pricing page. No quote needed to compare.
- A fully-owned entity network across its core 90+ EOR countries, reducing partner layers for the countries where most buyers hire.
- The Remote FX rate is shown on the invoice after the fact. An improvement over providers that give no invoice line for FX at all.
Watch-outs
- The $599 rate requires annual billing. Month to month is $699, so the commitment affects the comparable price.
- The Remote FX rate has no published percentage or spread. The rate used is visible on the invoice but cannot be forecast before signing.
- Owned entities cover the core 90+ EOR markets; beyond them delivery runs through partners and other products. Ask which of your specific countries are owned.
Source: remote.com/pricing
#4
Oyster
Best for: smaller fast-scaling teams that want a flat published price, a B-Corp supplier, automation-led onboarding and human expert support with a published response SLA.
Oyster publishes a single flat price: $699 per employee per month, with annual discounts available but no annual figure stated on the page. There are no setup, onboarding or termination charges, with its own pricing page confirming they are all included in the subscription fee. On deposits, Oyster requires a refundable deposit to start an EOR engagement, with no amount or formula published. It also charges a currency-conversion fee on any currency mismatch, again with no rate published.
The support model is a genuine strength. Oyster markets a 24-hour response SLA and resolution within 72 hours, with a dedicated hiring success manager for onboarding. Expert access is included in the flat fee, which means no tier-based unlock. The contractor product is mature, at $29 per contractor per month, with misclassification cover and payments in 120+ currencies.
Against this list, Oyster scores well on published flat pricing and support clarity. The gaps are FX and deposit. A currency-conversion fee exists but carries no published rate, and the deposit amount is not stated on the pricing page. A buyer who pays in the same currency as the contract currency avoids the conversion fee entirely. That is worth checking on your corridors before comparing.
- Countries
- 180+ all products, 120+ for EOR specifically
- Entity model
- Hybrid, owned and partner entities; no published split
- Onboarding
- Fast, automated, with a dedicated hiring success manager
- Contractors
- Yes, $29 per contractor per month with strong misclassification tooling
- Pricing
- $699 / employee / month, flat (annual discounts available, amount not published) · verified 2026-06-26
- G2
- 4.4/5 (1447)
Strengths
- Flat $699 per employee per month published, with no setup, onboarding, HR-expert-access or termination charges. All are included in the subscription fee.
- Published support SLA of 24-hour response and resolution within 72 hours, plus a dedicated hiring success manager. The onboarding and support column is the one Oyster leads.
- A certified B-Corp, which carries weight with procurement teams that screen on ESG. Strong contractor tooling at $29 per contractor per month.
- A large and healthy G2 review base of roughly 1,447 reviews, plus SOC 2 Type II certification.
Watch-outs
- Requires a refundable deposit to start an EOR engagement, with no amount published on the pricing page.
- Charges a currency-conversion fee on any currency mismatch, with no rate published. The fee is avoidable if billing and contract currencies match, but the rate cannot be forecast otherwise.
- Annual discounts are available but no annual price is stated on the page, so the discount amount is not comparable without a conversation.
Source: oysterhr.com/pricing
#5
Rippling
Best for: teams that want HR, IT and payroll on one platform and are buying EOR as part of a wider workforce stack, rather than as a standalone hiring tool.
Rippling is an HRIS-first platform that added EOR as a module. It does not publish an EOR price on its primary EOR product page or pricing page, where CTAs are 'Request demo' and 'get a custom quote' with no dollar figure. A $499 per employee per month figure appears in a comparison table on a Rippling-owned blog and in third-party reviews, but it is not on a product or checkout page. A base HR-platform fee sits on top of the EOR charge, with no amount published.
On FX, Rippling does not publish a rate, spread or conversion mechanism on any pricing or product page reviewed. Its EOR covers 80 countries, materially lower than the roughly 180 countries the dedicated EOR providers reach. Buyers and third-party reviews consistently report a security deposit of roughly one to three months of gross salary, not disclosed on primary pages.
The consolidation thesis is real. If you are buying an HRIS, device management and payroll anyway, EOR rides the same employee record. Rippling publishes 600+ integrations and has a live entity-versus-EOR cost calculator. Get the all-in monthly number (platform base plus EOR fee) in writing before comparing headlines.
- Countries
- 80 for EOR, 185+ for contractor payments
- Entity model
- Hybrid, Rippling-owned subsidiaries plus partners; split not published
- Onboarding
- Fast, self-serve heavy; white-glove reserved for enterprise
- Contractors
- Yes, contractor payments plus Contractor-of-Record
- Pricing
- Not published on primary pages; about $499 on its own blog, plus an HR-platform base fee · verified 2026-06-26
- G2
- 4.8/5
Strengths
- The most powerful unified HR, IT and payroll platform on this list. Rippling publishes 600+ integrations on one employee graph.
- A live entity-versus-EOR cost calculator on the platform. Transition modelling is a product feature, not just advisory.
- Published support transparency, rolling 90-day metrics, human-staffed chat, email and video. Holds SOC 1 and SOC 2 Type II.
- Fast automated self-serve onboarding if you are standardising your full people stack on one tool.
Watch-outs
- EOR price not published on primary pages. The $499 figure appears only on a Rippling-owned blog, not a pricing or checkout page, and a base HR-platform fee sits on top.
- Does not publish FX terms on any primary page reviewed. The full cost of salary conversion is not forecastable without a sales call.
- EOR covers 80 countries, materially lower than the dedicated EOR providers. Buyers and third-party reviews report a security deposit of roughly one to three months of gross salary, not disclosed publicly.
Source: rippling.com
#6
Papaya Global
Best for: enterprises that need payroll automation and reporting at scale across many countries, with a licensed payments arm and a strong data backbone alongside an existing ERP.
Papaya Global publishes a starting EOR fee of $499 per employee per month on its pricing page. The model is enterprise: most of the EOR footprint is partner-served, with Papaya owning full EOR entities in 40 countries against its 160+ reach. An FX processing fee applies on currency conversion, described in its own FX policy as a market reference rate plus a processing fee, with country-variable margins supplied through your customer success manager and no percentage published.
No deposit is required to start an EOR engagement, which is unusual in this category. Wallet pre-funding is required before payroll runs, with a buffer to cover FX volatility, and the wallet must be pre-funded a few days before the transaction date. The pricing page asserts no undisclosed fees or markups and 'Competitive FX rates' but publishes neither a rate nor a spread for the FX processing component.
Papaya's strongest case is payroll-at-scale: one reporting layer across 160+ countries, 130+ payment currencies, and a licensed payments arm. Finance teams consolidating multi-country payroll across an existing ERP are the natural buyers. The wallet pre-funding and FX fee will need modelling on your actual salary volumes before comparing with the flat-fee providers.
- Countries
- 160+ reach, owned full EOR entities in 40
- Entity model
- Hybrid; owned entities in 40 EOR countries, certified in-country accounting-firm partners for the rest
- Onboarding
- Weeks, enterprise-paced
- Contractors
- Yes, Contractor of Record from $295 per contractor per month
- Pricing
- From $499 / employee / month (EOR); FX processing fee applies, no percentage published · verified 2026-06-26
- G2
- 4.5/5 (53)
Strengths
- A strong enterprise payroll and data backbone across 160+ countries, 130+ payment currencies and a licensed payments arm. Few providers consolidate at this scale.
- From $499 per employee per month is one of the lower published EOR headlines here, and no deposit is required for the EOR product.
- Deep HRIS and ERP connector catalogue (Workday, SAP SuccessFactors, Oracle HCM, NetSuite) with audit-ready multi-country payroll reporting.
- A deep certification stack (ISO 27001, ISO 27701, SOC 1 Type II, SOC 2 Type II, GDPR), useful for procurement and security reviews.
Watch-outs
- The FX processing fee applies on currency conversion, with no percentage published and country-variable margins supplied via your customer success manager. The fee is qualitatively described but cannot be quantified before signing.
- Wallet pre-funding is required before payroll runs, with a buffer for FX volatility, tying up working capital before the payroll date.
- Most EOR delivery is partner-served: owned full EOR entities in only 40 of its 160+ countries. Ask which of your specific countries are owned.
Source: papayaglobal.com/pricing
#7
Globalization Partners (G-P)
Best for: large enterprises where analyst recognition, a deep certification stack and 180+ country reach matter more than published pricing or out-of-the-box cost visibility.
G-P is the most opaque on pricing of the eight here. It publishes no EOR per-employee price on any primary page. The EOR solutions page names two packages, G-P EOR Core and G-P EOR Prime, but shows no price for either. The CTAs are demo-request and proposal-request links, not checkout flows. Third-party estimates put the range at $600 to over $1,000 per employee per month, but those are estimates, not G-P's own figures.
On FX, G-P does not publish an FX rate or spread for EOR. Its contractor product uses Wise as the payment partner, with G-P's own announcement stating the mid-market rate applies and real-time quotes are available, but the EOR FX mechanism is unpublished. Buyers and third-party reviews consistently report a pre-funding model of roughly one to two months of gross salary per employee, not disclosed on the primary pages.
The argument for G-P is enterprise governance at scale: a deep certification stack (ISO 27001 in four variants, SOC 2 Type II), over 100 legal entities, 40+ in-house legal experts and 200+ global partners, strong analyst recognition, and a track record that passes large procurement reviews. The costs are not comparable without a sales conversation.
- Countries
- 180+ reach, 100+ legal entities plus 200+ partners
- Entity model
- Owned entities plus an extensive partner network; no clean owned-only country split published
- Onboarding
- Enterprise governance, AI-assisted base-tier support
- Contractors
- Yes, self-serve at $39 per contractor per month, with Wise-powered payments
- Pricing
- Quote-only; no EOR per-employee price published · verified 2026-06-26
- G2
- 4.4/5 (1028)
Strengths
- Genuine enterprise-grade scale: 180+ countries marketed, 100+ legal entities and 200+ global partners over a long track record.
- One of the deepest certification stacks here (ISO 27001/27017/27018/42001, SOC 2 Type II) on a self-serve trust portal. Passes large procurement reviews.
- A large in-country legal and compliance team, 40+ legal experts, and strong analyst recognition.
- A transparent contractor product at $39 per contractor per month, with Wise-powered mid-market payments and AI misclassification checks.
Watch-outs
- Publishes no EOR per-employee price. A like-for-like cost comparison requires a sales call.
- Base-tier support uses the G-P Assist AI assistant. A dedicated customer success manager, quarterly reviews and direct HR and legal team access are reserved for the higher G-P EOR Prime tier.
- Buyers and third-party reviews consistently report a pre-funding model of roughly one to two months of gross salary per employee, not disclosed on the primary pages.
Source: globalization-partners.com
#8
Velocity Global (now Pebl)
Best for: companies that want a broad footprint and the lowest published flat headline in this comparison, and are comfortable with an AI-first support model.
Velocity Global rebranded to Pebl in September 2025 and now publishes the lowest standard EOR price on this list: a flat $399 per employee per month (terms and conditions apply). The pricing page asserts the flat fee includes EOR services, compliance, payroll, onboarding, expense and leave management and 24/7 support, with no undisclosed charges. No FX terms are published. The terms "exchange rate", "FX", "foreign exchange" and "currency conversion" do not appear on the EOR pricing page.
Pebl has broad reach across 185+ countries and owns entities in 65 of them. Support is AI-first through the Alfie assistant, backed by 200+ in-country experts for complex cases. Third-party reviews and buyers report an undisclosed FX spread and a refundable security deposit, neither appearing on the primary pricing page. Pebl states "terms and conditions apply" against the $399 figure, which is the signal to read carefully before committing.
The lowest published flat headline is a real differentiator for cost-sensitive buyers who pay salaries in USD and hire in countries where Pebl owns an entity. For currency-conversion routes, the FX terms are not published, so the $399 compares incompletely to providers that disclose their FX line. Obtain the FX policy and deposit terms in writing before signing.
- Countries
- 185+ reach, owned entities in 65
- Entity model
- Owned entities in 65 markets, in-country partners for the rest
- Onboarding
- AI-led, fast
- Contractors
- Yes, contractor conversion supported (no price published)
- Pricing
- $399 / employee / month, flat (terms and conditions apply; no FX terms published) · verified 2026-06-26
- G2
- 4.6/5
Strengths
- The lowest published flat EOR headline on this list at $399 per employee per month, positioned on its own page as "lowest standard pricing ever".
- Broad reach across 185+ countries, owned entities in 65, enterprise-grade compliance (ISO 27001:2022, SOC 2 Type 2, GDPR) and a legal team backed by Baker McKenzie.
- AI-first Alfie assistant for routine queries, backed by 200+ in-country experts for complex cases, with 24/7 support marketed as standard.
- A centralised Global Work Platform and a broad integration catalogue, with contractor conversion alongside EOR.
Watch-outs
- No FX terms published on the EOR pricing page. The terms "exchange rate", "FX" and "currency conversion" do not appear. Buyers and third-party reviews report an undisclosed conversion spread.
- "Terms and conditions apply" is noted against the $399 figure. Buyers and reviewers report a refundable security deposit not shown on the primary page.
- Customer experience is still settling after the September 2025 rebrand from Velocity Global to Pebl, and the AI-first support model may not suit buyers who want a human first.
Source: hellopebl.com/eor-pricing
Why the shortlist matters
Behind every line item is a real person, in a real place.
The fee, the FX and the support model are not abstractions. They decide whether the person you hired in Barcelona or Rome is paid right, on time, by someone who knows their employment law. That is what the ranking is really measuring.
What each stakeholder evaluates
| Criterion | Legal | Finance | People Ops | Security |
|---|---|---|---|---|
| Published pricing | Ask for the full contract before committing. Published prices are a starting point; deposits, pre-funding and exit fees live in the MSA. | Teamed, Oyster, Remote, Papaya, Pebl and Deel all publish headline fees. Rippling does not on its primary pages. G-P is fully quote-gated. Flat fees (Teamed $599, Oyster $699, Pebl $399) are easier to model than tiered or commitment-dependent fees. | A published price removes a sales step and lets you budget before engaging. Quote-only pricing means you cannot compare without a demo. | No direct security consideration, but a provider that does not publish its pricing may not publish other terms either. Read the MSA before committing. |
| FX on salary | Ask for the FX policy in writing, including the rate source and any spread. A mid-market reference with zero markup is the gold standard. | Only Teamed absorbs FX at zero markup and shows the applied rate against a mid-market reference on every invoice. Every other provider here either does not publish FX terms (Deel, Rippling, Pebl) or shows the rate after the fact without a percentage (Remote, Oyster on mismatch). Industry analysis puts an undisclosed EOR FX margin at roughly 1.5 to 3% of gross salary. | An FX line on the invoice removes a reconciliation step per country and avoids disputes when the expected salary differs from what arrived. | A timestamped rate against a public reference is an auditable record, useful if a statutory authority queries the conversion basis. |
| Deposits and setup fees | Confirm whether a deposit is required, the formula, and the return conditions. A deposit of one to six months of salary is a real cash-flow cost. | Remote actively markets the absence of a standard deposit (reserves in rare high-risk cases only). Papaya requires no deposit for EOR but does require wallet pre-funding with a buffer. Teamed: one month of salary, refundable, disclosed upfront. Oyster: required, amount not published. Rippling: buyer-reported one to three months, not disclosed on primary pages. G-P: buyer-reported one to two months, not disclosed. Pebl: buyer-reported, not disclosed. | A large deposit creates cash-flow pressure on a first international hire. Knowing the amount before signing is basic planning information. | No direct security consideration, but an undisclosed deposit points to a contract that warrants close review. |
Decision checklist
- Read the MSA before you sign. Every provider has deposit, pre-funding and exit-term language in its contract. A published pricing page is not the full picture. Teamed sets out its costs up front, including the one-month salary deposit, no onboarding or offboarding fees, and the possibility of an early-exit fee within the first three months.
- Ask for the FX policy in writing. Most providers apply a salary-conversion margin that does not appear on the pricing page. Industry analysis puts that margin at roughly 1.5 to 3% of gross salary. On a $60,000 salary that is $900 to $1,800 a year. Teamed absorbs FX at zero markup and shows the rate on every invoice; the others here do not publish the margin.
- Choose Teamed if cost transparency is the priority: a flat $599, FX shown against mid-market and absorbed at zero markup, real HR and legal experts on every plan, and a modelled path from EOR to your own entity.
- Choose Remote if you want no standard deposit, strong owned entities in your core countries, a polished self-serve platform and are comfortable with annual billing for the $599 rate.
- Choose Oyster if a flat published price, automation-led onboarding and a published support SLA matter most, and you can match billing currency to contract currency to avoid the conversion fee.
- Choose Deel if the broadest platform, one of the deepest native integration catalogues and the strongest category brand matter most, and the FX line is a lower priority.
- Choose Pebl if the lowest published flat headline ($399) fits your scale and the AI-first support model suits your team, once you have obtained the FX terms and deposit conditions in writing.
- Choose Papaya Global if you need enterprise payroll automation at scale across many countries and currencies, and your finance team already runs Workday, SAP or Oracle.
- Choose G-P if you are a large enterprise where analyst recognition, certification depth and 180+ country reach matter more than published pricing or speed.
- Choose Rippling if you want HR, IT and payroll on one platform and can obtain the all-in number (HR platform base plus EOR fee) in writing before comparing headlines.
- Ask every provider the questions buyers wish they had asked: what is the deposit formula, is there a minimum term, what is the FX source and margin, and what does an early exit cost?
Honest take
When another provider here is the better choice.
- Choose Remote if no standard deposit, polished self-serve and owned entities in your core countries matter more than a zero-markup FX invoice.
- Choose Deel if platform breadth, one of the deepest native integration catalogues and the market-leading brand outweigh a readable FX line.
- Choose Rippling if you are buying a full HR, IT and payroll stack and EOR is one component rather than the whole solution.
- Choose G-P or Papaya Global if you are a large enterprise that needs owned-entity scale and payroll governance at Fortune 500 depth, and price is secondary.
- Choose Pebl if the lowest published flat headline is the deciding criterion and you obtain the FX and deposit terms in writing first.
Teamed leads on FX transparency, total cost forecastability and the path from EOR to your own entity. It does not lead every column. A buyer whose priority is platform breadth, onboarding automation or the lowest headline should make a different call. We'd rather say that plainly than mismatch the engagement.
Frequently asked questions
What does EOR actually cost per employee per month?
The management fee ranges from $399 (Pebl, flat) to $699 (Oyster, flat), with most major providers between $499 and $599. That fee covers the local employment contract, payroll, statutory remittance and employer obligations. It does not cover the salary you set, the employer social costs on top of it, or the FX margin on salary conversion. FX is the number most providers do not publish. Industry analysis puts an undisclosed EOR conversion margin at roughly 1.5 to 3% of gross salary. On a $60,000 salary that is $900 to $1,800 a year. Add a deposit and the actual bill grows beyond the headline.What is an FX markup in EOR pricing, and how much is it?
When your EOR pays a salary in one currency and bills you in another, it converts the amount at an exchange rate. Most providers apply a spread on that rate above the mid-market interbank rate and keep the difference as margin. Most do not publish the percentage. Industry analysis puts the undisclosed EOR FX margin at roughly 1.5 to 3% of gross salary. Teamed absorbs FX at zero markup and shows the applied rate next to the mid-market reference on every invoice. No other provider on this list does the same.Do EOR providers charge a deposit?
Most do, though not all publish the amount. Teamed requires a one-month refundable salary deposit, set out clearly in the contract. Remote markets the absence of a standard deposit as a differentiator, with reserves only in rare high-risk cases. Oyster requires a deposit with no amount published. Rippling, G-P and Pebl all have deposits reported by buyers and third-party reviewers, but not disclosed on their primary pages. Papaya Global requires no deposit for EOR but does require wallet pre-funding with a buffer. A deposit is a cash-flow cost, not a fee, but it matters for planning.Why do so few EOR providers publish their FX terms?
FX margin is often the largest gap between the headline management fee and the real total bill, especially at high salaries or in volatile currency corridors. Publishing the margin would make the real cost of ownership comparable. Most providers include the margin in the conversion rate rather than as a named line item, which makes it invisible until the invoice arrives. The result is that buyers compare headline management fees that omit a material cost. Teamed is the exception: it absorbs FX at zero markup and shows the rate on the invoice, which is the architecture needed for the comparison to be honest.Which EOR provider is the cheapest in 2026?
By published headline, Pebl at $399 per employee per month is the lowest flat fee here. Papaya Global and Rippling start from $499. Teamed and Remote both publish from $599. Oyster is $699 flat. G-P is quote-only. The cheapest headline is not always the cheapest total cost. Pebl publishes no FX terms; if it applies an undisclosed FX spread, a provider at $599 with zero FX markup may cost less on a salary of $60,000 or more. Run the comparison on your actual salary volume, including FX.How do I compare EOR pricing fairly?
Ask four questions of every provider. One: what is the EOR management fee, and is it flat or tiered? Two: what is your FX policy, and what percentage spread do you apply to salary conversions? Three: do you require a deposit, and how much? Four: are there setup, onboarding, offboarding or early-exit fees? Then model the full cost on your actual salary volume and your likely currencies. A lower headline with an undisclosed FX spread and a large deposit can cost more than a higher headline with zero FX markup. Teamed publishes its answers to all four questions on its pricing page.
Common questions
What does EOR pricing include and what does it not include?
The management fee covers the employment contract, payroll, tax remittance and statutory employer obligations. It excludes salary, employer social costs and the FX margin on cross-currency conversions. FX is often the largest undisclosed cost. Industry analysis estimates 1.5 to 3% of gross salary as an undisclosed EOR FX margin. Teamed absorbs FX at zero markup and shows the rate on every invoice; most providers do not publish theirs.Why is Teamed's EOR pricing more transparent than most competitors?
Teamed publishes a flat $599 fee, absorbs FX at zero markup, and shows the applied rate on every invoice against a mid-market reference. Deposit (one month, refundable), no setup/offboarding fees, and an early-exit fee within three months (set out in the contract). Most competitors embed FX without a published margin and require undisclosed deposits. Rated 4.8 on G2 for service.
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