# PaidRouter

> PaidRouter ranks every way a US business or freelancer can get paid (cards online and in person, ACH bank transfer, invoices, Venmo / Cash App business profiles) by fee, and compares providers for sending money from the US to Mexico and India. Every fee comes from the company's own pricing page, with the source URL and the date it was read. PaidRouter does not hold or move money.

## Data

- [Fee data (JSON)](https://paidrouter.com/fees.json): every platform and method with percent, fixed fee, caps and minimums, extras, source and check date.
- [Calculator](https://paidrouter.com/#calculator): what a payment costs through each route, and yearly savings vs the route you use now.
- [Sending abroad](https://paidrouter.com/#abroad): USD→MXN and USD→INR, ranked by what the recipient gets.
- [Fee changes](https://paidrouter.com/#sources): every source page is re-read within 30 days; the dated changelog (also the `changelog` array in /fees.json) lists what changed and when it was caught.
- Marketplace fees (eBay, Etsy, Upwork, Fiverr, Amazon) are in the data for lookups, marked `kind: marketplace`; they are not ranked as ways to get paid.

## For agents

- MCP server (Streamable HTTP): `https://paidrouter.com/mcp?key=YOUR_KEY`. Free key: `POST https://paidrouter.com/api/keys`.
- Tools: `cheapest_way_to_get_paid`, `get_fees`, `explain_fees`, `compare_send_money`, `route_it_for_me` (waitlist).
- JSON API (key as `?key=` or `Authorization: Bearer`): `/api/v1/cheapest?amount=1000&payer_pays_by=any&payments_per_month=4&current=paypal_checkout`, `/api/v1/fees?platform=stripe`, `/api/v1/explain?platform=paypal&method=paypal_checkout&amount=100`, `/api/v1/send?corridor=USD->INR&amount=1000`, `/api/v1/routes`.

## Example

A $1,000 invoice costs $35.39 through PayPal Checkout (3.49% + $0.49), $29.30 by Stripe card (2.9% + $0.30), $5.00 by Stripe ACH (0.8%, capped at $5) and $0 by a Melio bank-transfer payment request. Fees checked 2026-10-29.