Teamed vs Multiplier, the full-cost head-to-head

1. Step 1

   Bring your Multiplier invoice

   Share your current Multiplier invoice. Teamed unbundles it line by line: gross salary, statutory at cost, platform fee, FX residual. You see exactly what the switch saves and where the all-in numbers land on a zero-markup basis.

2. Step 2

   Map the operational plan

   Teamed builds the cutover plan per country or per employee cohort: notice-period alignment, payroll-calendar sync, benefits continuity, employee communications. Nothing moves until the plan is agreed.

3. Step 3

   Issue new contracts

   New compliant employment contracts issue under Teamed. Employees receive their new payslip structure before the first pay cycle, with FX shown against mid-market. No re-onboarding overhead.

4. Step 4

   Close the Multiplier relationship

   Teamed manages the Multiplier termination timeline and keeps you out of a double-billing period. Most EOR contracts are month-to-month or carry a notice period. Teamed maps the calendar.

Frequently asked questions

• Is Teamed cheaper than Multiplier?+

  The headline doesn't answer that. Multiplier starts at roughly $400 per employee per month, Teamed at $599. But Multiplier's currency-conversion fee isn't disclosed on the pricing page, and third-party reviews report a spread that can run high. On a $190,000 salary, a 2% undisclosed FX spread is $3,800 per year per employee. At five employees, that's $19,000 per year. If that spread lands on your corridors, the all-in comparison shifts materially. Get Multiplier's FX terms in writing, then build the model. Teamed's all-in is $599 flat with FX absorbed at zero markup.
• What is Multiplier's FX policy?+

  Multiplier does not disclose its currency-conversion fee on its pricing page (verified 2026-06-09 at g2.com/products/multiplier-employer-of-record/pricing). Third-party G2 reviews report a spread that can run high, meaning the published base may not reflect the real cost per employee. If you need the FX terms, request them explicitly from Multiplier's sales team and get them in writing before signing. Teamed shows the applied rate against the mid-market reference on every invoice and absorbs FX at zero markup on the fee.
• Can I switch from Multiplier to Teamed?+

  Yes. Most EOR contracts are month-to-month or carry a 30 to 90-day notice period. The harder part is the operational cutover: contract timing, payroll-calendar alignment, benefits continuity, and employee communications. Teamed runs phased cutovers, one country or one employee cohort at a time, so the overlap period is contained. Bring your current Multiplier invoice and MSA and Teamed maps the cutover plan. Most switches complete in four to six weeks.
• Does Teamed own a German entity?+

  Yes. Teamed operates through its own German entity, which means your German employee's contract is issued by a Teamed GmbH rather than a local partner. Real HR and legal experts with German employment-law credentials handle edge cases directly: Betriebsrat (Works Council) consultations, Kuendigungsschutzgesetz (KSchG) terminations, Works Agreements. G2 ranks Teamed #1 EOR for service, four years running. Multiplier covers Germany through its partner network rather than an owned entity, which means advisory depth on complex German employment-law cases is lighter.
• When should I set up my own entity instead of using an EOR?+

  The crossover point depends on headcount and salary mix in each country. As a rough guide, EOR stays more cost-effective than running your own entity below roughly 10 to 15 full-time employees in most European markets. Above that, the cumulative per-seat EOR fee approaches the fixed cost of a registered entity, a local director where needed, bookkeeping, and annual filings. Teamed models this crossover explicitly and flags the month your own entity gets cheaper. That modelling is a standard part of the advisory relationship, not an upsell. Global Entity & Employment Operations (GEMO) can set up the entity in 100+ markets on the same system with no re-onboarding of existing EOR employees.
• How do Teamed and Multiplier compare on support quality?+

  Teamed is rated 4.8 on G2 and has held the #1 EOR for service position four years running. Multiplier is rated 4.7 across roughly 1,300 G2 reviews. The gap is small, but the structural difference is the support model. Teamed gives you direct access to real HR and legal experts on all plans, no AI bot wall and no platform queue as the primary response. Multiplier leads on platform depth and self-serve experience. For complex employment-law situations, a contested exit, or a jurisdiction you've not hired in before, Teamed's advisory model is the fit. For a modern self-serve experience with fast onboarding, Multiplier leads.
• Does Multiplier support contractor management?+

  Yes. Multiplier has a strong contractor management and global-payroll product alongside EOR, rated well on G2 and capable of running a mixed workforce on one platform. Teamed also covers contractor management through its Guard and Protect plans, which include misclassification cover. The Teamed difference is the advisory layer: it flags crossover risk proactively and models the point where a contractor relationship should convert to an EOR engagement, with real employment-law expertise to back that advice. For a team that primarily needs a well-integrated contractor and EOR product, Multiplier is a strong option.

• Teamed vs Multiplier, which is better for a company hiring across Europe?+

  For a rapidly growing company hiring across Europe, the three deciding questions are all-in cost transparency, access to real employment-law expertise per jurisdiction, and the path to your own entities as you scale. Multiplier starts at roughly $400 per employee per month, has a modern platform, responsive support and a strong contractor and global-payroll product. It doesn't disclose its currency-conversion fee upfront, so the all-in cost is unknown until you pin down the FX terms in writing. Teamed is flat at $599, absorbs FX at zero markup, shows the rate against mid-market on every invoice, gives real HR and legal experts on all plans, owns its German entity, and models the crossover to your own entity via Global Entity & Employment Operations (GEMO). For a company that needs full cost transparency, direct expert access and lifecycle advisory, Teamed is the stronger fit. For a company where the published base matters and a modern self-serve platform is the priority, Multiplier is a serious option once the FX terms are confirmed.
• Which EOR is most transparent about FX costs?+

  Teamed is the clearest: it absorbs FX at zero markup on the fee and shows the applied rate against the mid-market reference on every invoice line. You see the exact conversion before the invoice lands. Remote discloses that it applies a variable FX rate above mid-market, which is more transparent than concealing it but is not zero markup. Multiplier does not disclose its currency-conversion fee on its pricing page; third-party reviews report a spread that can run high. Deel does not publish FX terms. At the $599 price point, Teamed is the only provider that absorbs FX entirely on the fee and publishes the mid-market reference on every invoice.