Real problems.
Straight answers.

Frequently asked questions

• What does Teamed's contractual FX-disclosure guarantee actually mean?+

  Contractual and zero on the EOR fee. The EOR fee bills flat in your chosen currency ($599 USD or £479 GBP) regardless of which currencies payroll touches — no cross-currency conversion occurs inside the fee, and the FX margin is 0%. The invoice still itemises the mid-market reference rate (ECB / BoE) on every payroll line so the conversion is shown against a public reference, but Teamed absorbs the FX margin entirely. Industry-typical undisclosed EOR FX markup is 1.5–3%; the MSA includes a contractual representation that ours is zero. Over a year on a typical mid-market headcount, the savings versus an undisclosed competitor are $X,000s — disclosed in the Unbundling Calculator.
• When does the Crossover engine recommend graduating from EOR to entity?+

  The Crossover Calculator monitors per-country headcount × salary × statutory load against the projected total cost of formed-entity operation (formation amortised over a 3-year window, ongoing payroll + accountancy headcount). When the entity TCO crosses below the EOR TCO, the engine flags the threshold; the specialist surfaces it proactively at the next quarterly review with a written GmbH/B.V./SAS TCO model. The recommendation isn't automatic — it depends on the customer's strategic intent — but the math is.
• If we move from EOR to our own entity, do our employees see any disruption?+

  No. Existing employees transfer with continuity of service where local law provides (TUPE or the jurisdictional equivalent) onto the new entity within the same Teamed account — same start date, same accrued holiday, same probation, same benefits eligibility. Same dashboard, same invoice format, same jurisdiction specialist on every call. Contractor agreements in adjacent countries continue uninterrupted. You don't open a second EOR account, migrate data between vendors, or rebuild payroll integrations. Employees see no gap.
• How is Teamed's specialist model different from a "dedicated account manager"?+

  A dedicated account manager is a single point of contact who routes questions to the right team. A jurisdiction specialist is the person doing the work — the one preparing the German employment contract, registering the customer with the BMAS, filing with the Finanzamt, and holding accountability for the compliance posture in that country. Account managers exist on every Teamed engagement for relationship continuity; specialists exist on every EOR and Global Entity & Employment Operations engagement and own the substance.
• How does Teamed avoid the typical EOR "lock-in" trap?+

  Three structural choices: (1) the same platform supports contractor → EOR → entity, so graduating doesn't require leaving Teamed; (2) the Crossover engine surfaces the graduation threshold proactively, so customers aren't surprised by a fee that grew past the breakeven; (3) the MSA includes a transfer clause that preserves continuity of service where local law allows, for graduated entities. Customers can also leave Teamed entirely — every engagement is built so the customer can take their employee data and continue with another provider or internal team.