EOR pricing transparency, by provider
How openly the major employer of record (EOR) providers disclose what you’ll actually pay: platform pricing, FX rate basis, upfront rates, multi-currency wallets and hedging. Verifiable signals are drawn from our 35-market FX dataset. Note that no provider publishes its FX spread, so the true cost of currency conversion stays hidden regardless of score.
Which major EOR providers are most transparent about pricing?
Deel and Remote publish a starting price; Papaya Global and Rippling route buyers through a sales call before quoting. The index scores all four on six signals, from published platform pricing to whether the FX rate is shown before you commit.
| Provider▼ | Price visibility▼ | Rate upfront▼ | Basis shown▼ | Wallet▼ | Hedging▼ | Score▼ |
|---|---|---|---|---|---|---|
| DeelMost open | Published | 100% | 100% | 100% | 100% | 93 |
| RemoteMost open | Published | 100% | 100% | 100% | 100% | 93 |
| Papaya Global | Sales-gated | 100% | 100% | 100% | 100% | 75 |
| Rippling | Sales-gated | 0% | 0% | 0% | 0% | 5 |
Score weights six signals equally: platform price published, FX rate shown upfront, verifiable rate basis, multi-currency wallet, FX hedging, and fee-line disclosure. Percentages are each provider’s share of its covered markets (Deel & Remote 35, Papaya 19, Rippling 29). FX rate basis, wallet and hedging are computed from our verified 35-market FX dataset; rate-upfront, platform-price visibility and the fee factor are Whichapp editorial assessments.
How openly do providers disclose FX costs across 35 markets?
For each market, how many of the providers operating there disclose a verifiable FX rate basis and show the rate up front.
| Market▼ | Providers▼ | Disclose basis▲ | Rate upfront▼ | Hedging▼ |
|---|---|---|---|---|
| Canada | 3 | 67%2/3 | 67%2/3 | Yes |
| France | 3 | 67%2/3 | 67%2/3 | Yes |
| Germany | 3 | 67%2/3 | 67%2/3 | Yes |
| Israel | 3 | 67%2/3 | 67%2/3 | Yes |
| Italy | 3 | 67%2/3 | 67%2/3 | Yes |
| Nigeria | 3 | 67%2/3 | 67%2/3 | Yes |
| Norway | 3 | 67%2/3 | 67%2/3 | Yes |
| Romania | 3 | 67%2/3 | 67%2/3 | Yes |
| South Africa | 3 | 67%2/3 | 67%2/3 | Yes |
| United Arab Emirates | 3 | 67%2/3 | 67%2/3 | Yes |
| Australia | 4 | 75%3/4 | 75%3/4 | Yes |
| Belgium | 4 | 75%3/4 | 75%3/4 | Yes |
| Brazil | 4 | 75%3/4 | 75%3/4 | Yes |
| Colombia | 4 | 75%3/4 | 75%3/4 | Yes |
| Czech Republic | 4 | 75%3/4 | 75%3/4 | Yes |
| Hong Kong | 4 | 75%3/4 | 75%3/4 | Yes |
| India | 4 | 75%3/4 | 75%3/4 | Yes |
| Ireland | 4 | 75%3/4 | 75%3/4 | Yes |
| Japan | 4 | 75%3/4 | 75%3/4 | Yes |
| Mexico | 4 | 75%3/4 | 75%3/4 | Yes |
| New Zealand | 4 | 75%3/4 | 75%3/4 | Yes |
| Portugal | 4 | 75%3/4 | 75%3/4 | Yes |
| South Korea | 4 | 75%3/4 | 75%3/4 | Yes |
| Spain | 4 | 75%3/4 | 75%3/4 | Yes |
| Switzerland | 4 | 75%3/4 | 75%3/4 | Yes |
| United Kingdom | 4 | 75%3/4 | 75%3/4 | Yes |
| United States | 4 | 75%3/4 | 75%3/4 | Yes |
| Vietnam | 4 | 75%3/4 | 75%3/4 | Yes |
| Philippines | 5 | 80%4/5 | 60%3/5 | Yes |
| Indonesia | 2 | 100%2/2 | 100%2/2 | Yes |
| Malaysia | 2 | 100%2/2 | 100%2/2 | Yes |
| Netherlands | 2 | 100%2/2 | 100%2/2 | Yes |
| Poland | 2 | 100%2/2 | 100%2/2 | Yes |
| Singapore | 2 | 100%2/2 | 100%2/2 | Yes |
| Thailand | 2 | 100%2/2 | 100%2/2 | Yes |
Why does EOR pricing transparency matter?
The headline per-employee fee is rarely the full cost. Currency conversion margin, deposits and off-cycle charges sit below the line, and no provider publishes its FX spread, so two quotes at the same monthly rate can settle very differently. Before you shortlist, read each provider’s pricing in full: Deel, Remote, Papaya Global and Rippling. The figures here come from our FX disclosure dataset and are scored using our research methodology. For the wider market, see the best EOR providers guide and the provider scores index.
Common questions about EOR pricing transparency
Do EOR providers hide their pricing?
Often, yes. Of the four majors in this index, two (Deel and Remote) publish a starting price, while Papaya Global and Rippling quote only after a sales call. Even published rates leave out the FX margin, which none of them disclose.
Which EOR provider is most transparent about cost?
Deel and Remote score highest, tied at 93 out of 100, followed by Papaya Global at 75. The score weights six signals equally, including published platform pricing, a verifiable FX rate basis, multi-currency wallets and hedging across the markets each provider covers.
What is an FX spread, and why does it matter?
The FX spread is the margin a provider adds when converting your funds into local pay. It is charged on every payroll run yet published by none of these providers, which makes it the largest hidden cost in cross-border EOR pricing.