Atlas HXM Alternatives and Competitors in 2026 for Working with Global Contractors

This article is published by 4dev.com, one of the products compared below. It is an editorial selection, not a complete review of the market: many providers operate in this space, and we include those that fit the scenario described below and publish enough information on their websites to be compared. Information about each provider comes from its public website, accessed between 1 November 2026 and 9 November 2026; prices and terms change. This article is for general information only. It is not legal, tax or financial advice and not a recommendation to choose any provider: verify all information directly with the provider before making a decision. This information is provided as is; we make no representations as to its completeness or accuracy. Third-party names and trademarks are the property of their respective owners. Research for this article was carried out with the help of AI tools and reviewed by our editors before publication. If you spot an error, write to support@4dev.com and we will review it.

This page covers eight Atlas HXM alternatives: Atlas HXM competitors and companies like Atlas HXM that businesses use to work with independent contractors in other countries, including Deel, G-P, Multiplier, Oyster, Pebl (formerly Velocity Global), Remote and Rippling. The eight are listed in alphabetical order and described on the same six points, taken from each provider's public website, with 4dev.com, the publisher of this article, described in its own terms. Atlas HXM, the reference provider, has its own section first and is not part of the list. Each description ends with a summary of reviews from G2, Capterra and Trustpilot. The list is an editorial selection, not a ranking.

What is Atlas HXM?

Atlas HXM lists an Agent of Record (AOR) service for independent contractors at $199 per contractor per month on its pricing page at the time of writing [8].

• Price for the company: Atlas HXM adds “Cancel anytime” to that price [8]. It states the fee includes Know your Business (KYB) and Know your Customer (KYC) verification [8].
• Payments: Atlas HXM states on its Agent of Record page that contractors invoice for their work and the AOR facilitates payment on those invoices [7].
• Countries for contractors: Atlas HXM states “Available in 30+ Countries” for its AOR product on its AOR product page [9].
• Platform: Atlas HXM states that the same platform covers engaging an independent contractor, hiring an employee or relocating talent [8].

Atlas HXM also lists an Employer of Record (EOR) service on its pricing page, from $599 per employee per month, delivered through owned and operated entities in 160+ countries [8].

What reviewers say

Ratings: G2 4.2 (97 reviews) · Capterra 5 (5 reviews) · Trustpilot 2.9 (2 reviews). Of the 99 most recent reviews we read (published September 2022 – October 2026), 51 come from companies, 48 from people who work through the service and 0 are unclear. 86 of 97 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 54 of 99 reviews (example, G2)
• Support is responsive and helpful — 42 of 99 reviews (example, G2)
• Setup and onboarding are quick — 19 of 99 reviews (example, G2)

Most frequent complaints:

• The platform is hard to use or missing features — 11 of 99 reviews (example, G2)
• Errors in payments, invoices or the platform — 11 of 99 reviews (example, G2)
• Support is slow or hard to reach — 9 of 99 reviews (example, G2)

Who this is for

Working with independent contractors

This article is for companies that engage independent contractors in several countries and want to compare fees, payout methods, currencies, countries and published prices side by side before they choose an Atlas HXM alternative. The table puts every provider on the same six points, and the cards of the providers other than 4dev.com follow them.

Hiring employees

If you hire employees rather than engage contractors through an EOR, see our guide to employer of record services.

Key takeaways

The providers state prices, currency conversion terms and coverage in their own units, so the figures below are not like-for-like.

• Price units differ. Deel, G-P, Multiplier, Oyster and Remote state a price per contractor per month [11][16][20][22][35]. Rippling states a monthly price [43], and 4dev.com publishes a percentage service fee [1]. Check the unit before you compare amounts.
• Currency conversion works differently by set-up. For example, Remote states that the invoice currency decides who bears the exchange cost [33]. Oyster describes scenarios in which either the contractor or the employer bears the FX fluctuation [23]. Pebl states a 3% conversion fee when the contractor chooses a currency different from the one in the agreement [26], and Multiplier states a mid-market rate without a markup [18].
• Coverage figures vary. The eight providers state between 150+ and 200+ countries for contractors [2][12][13][14][15][21][25][32][34][38][40]. The seven providers other than 4dev.com state between 37+ and 180+ payout currencies [10][15][30][38][43].
• Two cells in the table read “No information found”. They are Rippling's fees and FX and Pebl's price for the company: we found nothing on the public pages we checked. 4dev.com is not one of them, because its payout cells read “Ask the 4dev.com team”.

How we put this together

This article is not a ranking. Providers are listed in alphabetical order, so 4dev.com, which starts with a digit, comes first. The order says nothing about quality, and no provider receives a score or a place.

These eight are the providers the article listed before this update, and each describes services for contractors across borders. The seven other than 4dev.com publish enough on their public pages to be described on the same points. Atlas HXM is described separately because the article is about alternatives to it. 4dev.com, the publisher of this article, is one of the eight and is described in its own terms: in its row of the table, the payout speed, payout methods and payout currencies cells read “Ask the 4dev.com team”, because those points are discussed directly with the team.

The table covers every provider on six points, and the cards of the seven other providers follow them where the provider states the point:

• fees and FX for the contractor
• payout speed
• payout methods
• payout currencies
• price for the company
• countries for contractors

Nothing else is compared. Integrations, APIs, support quality and compliance are not covered.

The facts come from each provider's public website (product, pricing, help-center and blog pages), accessed between 1 and 9 November 2026. “No information found” means we did not find the point on the public pages we checked. It says nothing about what the provider offers. Where a provider's own pages give different figures, the table shows the conservative one and the provider's card gives both. G-P's facts on fees, instant payments, payout methods, 50+ currencies and 180+ countries come from its press release of 22 February 2023, and they are dated where used [14].

The review summaries use the most recent reviews on G2, Capterra and Trustpilot as of 27 October 2026 (4dev.com on G2: 8 November 2026), up to 100 per platform. Every review is sorted into the same fixed themes for every provider. Each card shows the three themes reviewers praise most often and the three they criticise most often, with the number of reviews that mention them. They reflect what reviewers wrote, not our view, and reviews appear in the table only as ratings.

Research for this article used AI tools, and our editors reviewed it before publication.

Atlas HXM alternatives at a glance

Data as stated on each provider's public website, checked 1–9 November 2026; review ratings as of 27 October 2026 (4dev.com on G2: 8 November 2026).

Provider	Fees and FX for the contractor	Payout speed	Payout methods	Payout currencies	Price (as stated on the provider's website, checked November 2026)	Countries for contractors	Review ratings
4dev.com	No contractor-side service fees	Ask the 4dev.com team	Ask the 4dev.com team	Ask the 4dev.com team	Service fee of 3% or less, depending on monthly volume; no subscription	150+	G2 5.0 (3) · Trustpilot 4.1 (56); no reviews on Capterra
Deel	No withdrawal fee for Wise (separate transaction and exchange fees may apply) and none for local bank transfer; fees vary by withdrawal method	From instant to 5–7 business days, by withdrawal method	Among the options named: local bank transfer, SWIFT, instant card transfer, e-wallets and the Deel Card; Wise and Revolut on the contractor page	120+ (180+ for local bank transfer in the withdrawal guide)	From $49 per contractor per month; Contractor of Record from $325 per contractor of record per month	150+ (200+ countries and jurisdictions on the contractor page)	G2 4.7 (7,396) · Capterra 4.85 (4,319) · Trustpilot 4.6 (9,731)
G-P	No hidden transaction fees; payment summaries show the fees and the mid-market rate applied (2023 press release)	“Instant payouts” in 190+ countries; more than 50% of Wise-powered payments instant (2023 press release)	Bank transfer, virtual cards, wallets, ACH, wire and international wire (2023 press release)	50+ (2023 press release and contractor-page FAQ); 130+ on the product and pricing pages	From USD 39 per contractor per month, paid when an invoice is paid; volume rates below USD 39 typically above 10 contractors a month	180+ (2023 press release); 190+ on the product and pricing pages	G2 4.4 · Capterra 4.51 (65) · Trustpilot 4.3 (148)
Multiplier	Mid-market exchange rate without a markup (general FAQ); “no hidden fees” on the contractor pages; payment breakdowns per contractor upfront	Same-day contractor payment processing	Bank transfer, PayPal and Payoneer among the options named	120+	$40 per contractor per month, billed annually; Contractor of Record $400 per contractor per month, billed annually, plus compliance-mandated add-ons and an implementation fee as applicable	150+	G2 4.7 · Capterra 4.42 (45) · Trustpilot 4.8 (2,868)
Oyster	No fee when no foreign exchange is required; a conversion fee applies only if the company pays in a currency different from the contract currency	1–2 days on local rails; about 4 days, up to 7, on international rails	Bank account in the payout currency	120+	Free for 30 days, then USD 29 per contractor per month	180+	G2 4.4 (1,624) · Capterra 4.57 (91) · Trustpilot 3.8 (272)
Pebl (formerly Velocity Global)	Standard payout free; instant payout 2% with a minimum of $0.50; 3% conversion fee when paid in a currency other than the agreement's	U.S. ACH 1–2 business days; global bank account 3–5 business days; help-center pages differ on where instant payout is available	U.S. bank account, debit card issued by a U.S. bank and Wingspan Wallet (U.S. only); global bank account	37+	No information found	180+	G2 4.6 (617) · Trustpilot 3.2 (6); no reviews on Capterra
Remote	No additional fee on same-currency payouts via local networks; SWIFT partners may deduct $5–$15; FX cost depends on the invoice currency	Most within 2 days of Remote receiving the invoice payment; 1–3 business days after funds are received in the help center	Bank payout; a digital wallet among the options named	70+ (73 on the product page)	Contractor Management from $29 per active contractor per month; Contractor Management Plus from $99; Contractor of Record from $325 per contractor per month; 3.5% credit card service fee	180+ (190+ on the pricing page)	G2 4.5 (5,450) · Capterra 4.34 (102) · Trustpilot 4.6 (3,542)
Rippling	No information found	Typically 2–4 days after pay runs are approved, until funds are in the contractor's balance	Bank transfer, Wise, Revolut, debit cards and more	50+	Global Contractors from $30 per month; custom quote for other services	185+	G2 4.7 (14,754) · Capterra 4.86 (4,886) · Trustpilot 4.6 (2,635)

Atlas HXM alternatives in 2026

The providers are listed in alphabetical order; 4dev.com comes first because its name starts with a digit.

4dev.com

4dev.com publishes “Onboard and administer contractors in 150+ countries” [3]. The facts below are as published on its public pages, checked 1 November 2026, and its pricing, contractors and countries pages carry the details.

• Agreement: 4dev.com publishes “One B2B agreement” [5].
• Verification: 4dev.com publishes “built-in KYB/KYC checks” [1]. It publishes that the platform checks contractors’ documents and statuses during onboarding and that each contractor completes onboarding themselves [3].
• Documents and records: 4dev.com publishes that tasks, statuses, contracts and closing documents are “all in one place” [6]. It publishes that the full history is available at any time to your team, accounting, an auditor or an investor [6]. It also publishes “audit-ready documents instantly” [1].
• For contractors: 4dev.com publishes “no contractor-side service fees” on its pricing page [1] and “No contractor-side platform fee” on its contractors page [2]. It publishes that contractors download documents and supporting records instantly and get “real human support” [1].
• Price for the company: 4dev.com publishes a service fee of 3% or less, depending on monthly volume [1]. It presents the terms as “Pay only for completed contractor workflows. No subscriptions, no hidden charges. The higher your monthly volume, the lower your rate.” [1] It publishes that service fees apply only when contractor-related operations are completed through the platform, and that you don't pay just for having an account [1].
• Countries for contractors: 150+ [2], with a complete list of countries on its countries page [4].

What reviewers say

Ratings: G2 5.0 (3 reviews) · Trustpilot 4.1 (56 reviews); no reviews on Capterra. Of the 59 most recent reviews we read (published October 2024 – October 2026), 16 come from companies, 28 from people who work through the service and 15 are unclear.

Most frequent praise:

• Support is responsive and helpful — 27 of 59 reviews (example, Trustpilot)
• Payouts arrive quickly — 18 of 59 reviews (example, G2)
• The platform is easy to use — 16 of 59 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 7 of 59 reviews (example, Trustpilot)
• The platform is hard to use or missing features — 6 of 59 reviews (example, G2)
• Verification issues or account holds — 6 of 59 reviews (example, Trustpilot)

It may suit you if…

• You want a fee tied to completed contractor workflows, with no subscription: 4dev.com publishes a fee of 3% or less that falls as monthly volume rises [1], and G-P also states a fee charged only when you pay an invoice [16].
• You want a service fee that is stated as nil on the contractor side: 4dev.com publishes this [1][2], and several other providers state no fee for some set-ups, for example Deel [10], Oyster [23], Pebl [27] and Remote [34].
• You want one agreement and one place for contracts, closing documents and history [5][6].

When 4dev.com is not the right fit

4dev.com publishes that the platform is “built for B2B contractor relationships, not traditional employment workflows” [5]. If you need to hire employees, the EOR guide linked in “Who this is for” covers that. If you need a contractor-side figure that the pages do not give, ask the team in the demo.

Deel

Deel states that you can onboard and manage contractors in 200+ countries and jurisdictions [12]. Prices were checked November 2026.

• Fees and FX for the contractor: Deel states it does not charge a withdrawal fee for Wise, though separate transaction and exchange fees may apply [10]. In its withdrawal guide, Deel gives local bank transfer at no cost to the contractor, with a withdrawal time of one to five business days [10]. For Instant Card Transfer outside the US, the guide gives a 2% fee, capped at $15, with a minimum withdrawal of $5, plus any applicable exchange rate [10]. In that guide the fee differs by withdrawal method. Deel also states it provides “competitive exchange rates” with “minimal fees” [11].
• Payout speed: In its withdrawal guide, Deel lists an estimated time per method, from instant to 5–7 business days [10].
• Payout methods: In its withdrawal guide, Deel names, among its options, instant card transfer, local bank transfer, SWIFT, major e-wallets and the Deel Card [10]. On its contractors page, Deel names Wise and Revolut among its payout options [12].
• Payout currencies: Deel states payments in 120+ currencies on its pricing page [11] and 120+ currencies on its contractors page [12]. In its withdrawal guide, Deel lists 180+ supported currencies for local bank transfer [10].
• Price for the company: Deel lists contractor management from $49 per contractor per month and Contractor of Record from $325 per contractor of record per month on its pricing page [11]. It states its pricing has no surprise fees [11].
• Countries for contractors: Deel states 150+ countries [13]. On its contractors page it gives both 150+ countries and 200+ countries and jurisdictions [12].

What reviewers say

Ratings: G2 4.7 (7,396 reviews) · Capterra 4.85 (4,319 reviews) · Trustpilot 4.6 (9,731 reviews). Of the 300 most recent reviews we read (published February 2026 – October 2026), 37 come from companies, 177 from people who work through the service and 86 are unclear. 194 of 200 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 170 of 300 reviews (example, G2)
• Setup and onboarding are quick — 67 of 300 reviews (example, G2)
• Payouts arrive quickly — 59 of 300 reviews (example, G2)

Most frequent complaints:

• Fees or exchange rates are high or unclear — 34 of 300 reviews (example, G2)
• Support is slow or hard to reach — 24 of 300 reviews (example, G2)
• The platform is hard to use or missing features — 17 of 300 reviews (example, G2)

It may suit you if…

• You want a published price per contractor with a Contractor of Record plan at its own price [11]; Multiplier [20] and Remote [38] list one too.
• You want payout times published per withdrawal method [10].
• You want withdrawal fees published per method [10].

G-P

G-P states that you can engage contractors in 190+ countries [16]. Prices were checked November 2026.

• Fees and FX for the contractor: In a press release on its Wise integration dated 22 February 2023, G-P states there are no hidden transaction fees [14]. The release says payment summaries show companies the fees they pay and the mid-market exchange rate applied [14].
• Payout speed: On its contractor page, G-P states its payments infrastructure gives “instant payouts and live payment tracking in 190+ countries” [15]. The 2023 press release says more than 50% of payments powered by Wise are instant [14].
• Payout methods: The 2023 press release lists bank transfer, virtual cards, wallets, ACH, wire and international wire [14].
• Payout currencies: G-P states 130+ currencies on its contractor page [15] and its pricing page [16]. Its contractor-page FAQ says Wise provides payment in 50+ currencies [15], and the 2023 press release gives 50+ currencies [14].
• Price for the company: G-P lists G-P Contractor from USD 39 per contractor per month [16]. It states you pay this fee only when you pay an invoice [16]. G-P states that, typically, if you pay more than 10 contractors per month, it can offer rates below USD 39 per contractor per month [16].
• Countries for contractors: G-P states 190+ countries on its contractor page [15] and its pricing page [16], and the 2023 press release gives 180+ [14].

What reviewers say

Ratings: G2 4.4 · Capterra 4.51 (65 reviews) · Trustpilot 4.3 (148 reviews). Of the 265 most recent reviews we read (published December 2023 – October 2026), 145 come from companies, 80 from people who work through the service and 40 are unclear. 159 of 165 reviews are marked as incentivized by the platform.

Most frequent praise:

• Support is responsive and helpful — 158 of 265 reviews (example, G2)
• The platform is easy to use — 104 of 265 reviews (example, G2)
• Setup and onboarding are quick — 53 of 265 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 41 of 265 reviews (example, G2)
• The platform is hard to use or missing features — 28 of 265 reviews (example, G2)
• Errors in payments, invoices or the platform — 20 of 265 reviews (example, G2)

It may suit you if…

• You want a per-contractor price that G-P states is paid only when you pay an invoice [16]; 4dev.com also ties its fee to completed contractor workflows [1].
• You want volume rates stated for more than 10 contractors a month [16].
• You want payout methods that include virtual cards and wallets, as listed in the 2023 press release of G-P [14].

Multiplier

Multiplier states that its Contractor of Record delivers compliance, payments and contractor management in 150+ countries [21]. Prices were checked November 2026.

• Fees and FX for the contractor: Multiplier states that you view payment breakdowns for each contractor upfront [17]. On its contractor pages, it states you can pay foreign contractors in 120+ currencies “with no delays or hidden fees” [17]. In its general FAQ, Multiplier states it uses the prevailing mid-market exchange rate without adding a markup [18].
• Payout speed: Multiplier states same-day contractor payment processing [17].
• Payout methods: In its contractor management FAQ, Multiplier names bank transfer, PayPal and Payoneer among its available options [19].
• Payout currencies: Multiplier states multi-currency payouts in over 120 currencies [17].
• Price for the company: Multiplier lists $40 per contractor per month, billed annually [20]. It lists its Contractor of Record plan at $400 per contractor per month, billed annually, and states that this plan adds compliance-mandated add-ons and an implementation fee as applicable [20].
• Countries for contractors: Multiplier states 150+ countries [21].

What reviewers say

Ratings: G2 4.7 · Capterra 4.42 (45 reviews) · Trustpilot 4.8 (2,868 reviews). Of the 245 most recent reviews we read (published November 2021 – October 2026), 121 come from companies, 54 from people who work through the service and 70 are unclear. 140 of 145 reviews are marked as incentivized by the platform.

Most frequent praise:

• Support is responsive and helpful — 177 of 245 reviews (example, G2)
• The platform is easy to use — 72 of 245 reviews (example, G2)
• Setup and onboarding are quick — 49 of 245 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 21 of 245 reviews (example, G2)
• Errors in payments, invoices or the platform — 17 of 245 reviews (example, G2)
• Pricing is high for companies — 7 of 245 reviews (example, Trustpilot)

It may suit you if…

• You want the contractor and Contractor of Record prices stated with their billing basis [20]; Deel [11] and Remote [38] list both a contractor price and a Contractor of Record price too.
• You want a stated mid-market rate with no markup [18]; the 2023 press release of G-P says payment summaries show the mid-market rate applied [14], and Pebl states that a Platform Balance transfer into a different withdrawal currency is converted at market rates [29].
• You want same-day processing stated [17].

Oyster

Oyster describes “a fully self-serve platform to hire, pay, and manage contractors in 180+ countries” [25]. Its price was checked November 2026.

• Fees and FX for the contractor: Oyster describes three foreign exchange scenarios in its help center. When no foreign exchange is required, Oyster states it does not charge a fee for receiving or sending payment [23]. When the agreement is in a currency other than the contractor's local currency and the contractor is paid in local currency, Oyster states it converts at a competitive exchange rate and the contractor bears the monthly FX fluctuations [23]. When the agreement is in the contractor's local currency, Oyster states the employer takes on the foreign exchange risk and the employer's invoice fluctuates each month [23]. Oyster also states it charges a conversion fee only if you pay it in a currency different from the contract currency [22].
• Payout speed: Oyster states that when the payout currency is local, funds take 1–2 days to reach contractors [24]. When the payout currency is foreign, it states funds take about 4 days on average and up to 7 days in certain cases [24].
• Payout methods: Oyster states that contractors are paid in the currency of the bank account they add when creating an Oyster account [23].
• Payout currencies: Oyster states 120+ currencies on its pricing page [22] and on its global contractor page [25].
• Price for the company: Oyster lists USD 29 per contractor per month after a free 30 days on its pricing page [22], and $29 per month on its global contractor page [25].
• Countries for contractors: Oyster states 180+ countries [25].

What reviewers say

Ratings: G2 4.4 (1,624 reviews) · Capterra 4.57 (91 reviews) · Trustpilot 3.8 (272 reviews). Of the 291 most recent reviews we read (published March 2022 – October 2026), 70 come from companies, 206 from people who work through the service and 15 are unclear. 123 of 191 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 160 of 291 reviews (example, G2)
• Support is responsive and helpful — 129 of 291 reviews (example, G2)
• Setup and onboarding are quick — 64 of 291 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 30 of 291 reviews (example, G2)
• Payouts are delayed — 14 of 291 reviews (example, G2)
• Pricing is high for companies — 9 of 291 reviews (example, G2)

It may suit you if…

• You want a stated price after a free 30 days [22].
• You want payout times published for local and international rails [24].
• You want the foreign exchange scenarios described in the help center before you choose the invoice currency [23].

Pebl (formerly Velocity Global)

Pebl states “Velocity Global is now Pebl” [31] and describes a contractor management platform with onboarding across 180+ countries [32]. The facts below were checked 8 November 2026.

• Fees and FX for the contractor: Pebl states a standard payout is free [27]. It states a 2% fee for instant payouts, with a minimum of $0.50 [28]. When a contractor chooses to receive payment in a currency different from the one stipulated in the agreement with the client, Pebl states a currency conversion fee of 3% applies [26]. When a Platform Balance transfer goes into a withdrawal currency different from the balance currency, Pebl states the transfer is converted at market rates, with no conversion fees [29].
• Payout speed: Pebl lists 1–2 business days for Standard ACH (U.S.) and 3–5 business days for a global bank account [30]. Its help-center pages differ on where instant payout is available: one names the U.S. and Canada [30], another the U.S. only [27].
• Payout methods: Pebl lists a U.S. bank account, debit cards issued by U.S. banks and Wingspan Wallet (U.S. only) [30]. For contractors outside the U.S., Pebl states it converts deposits into the chosen local currency and deposits them into the contractor's bank account [27].
• Payout currencies: Pebl states you can receive payments in 37+ currencies across 180+ countries [30]. It states a Platform Balance can hold funds in USD, CAD or EUR [29].
• Price for the company: No information found.
• Countries for contractors: Pebl states 180+ countries for onboarding [32] and for receiving payments [30].

What reviewers say

Ratings: G2 4.6 (617 reviews) · Trustpilot 3.2 (6 reviews); no reviews on Capterra. Of the 106 most recent reviews we read (published June 2024 – October 2026), 64 come from companies, 40 from people who work through the service and 2 are unclear. 89 of 100 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 75 of 106 reviews (example, G2)
• Support is responsive and helpful — 51 of 106 reviews (example, G2)
• Setup and onboarding are quick — 36 of 106 reviews (example, G2)

Most frequent complaints:

• Setup or onboarding is slow — 7 of 106 reviews (example, G2)
• Support is slow or hard to reach — 6 of 106 reviews (example, G2)
• Problems with contracts, invoices or compliance documents — 5 of 106 reviews (example, G2)

It may suit you if…

• You want payout timing published per method [30].
• You want the standard and instant payout fees stated [27][28].
• You want contractors to be able to hold a balance in USD, CAD or EUR [29].

Remote

Remote's own pages give different country and currency figures, and both are shown below. Prices were checked November 2026.

• Fees and FX for the contractor: Remote states it does not charge additional fees for same-currency payments facilitated via local payment networks [34]. For payments via SWIFT, Remote states its payment partners may deduct $5–$15 depending on the bank [34]. In its help center, Remote states that the invoice currency decides who bears FX costs [33]:
• When the contractor invoices in their own currency, the customer bears FX costs [33]. For that case Remote states “No FX risk for contractors: Remote covers the cost of currency conversion, protects against exchange rate fluctuations, and absorbs transaction processing fees” [33]. It states the contractor receives the full invoiced amount in that currency [33]. Remote says this applies in most cases, and not when funds go into a contractor's Stripe Connect account or for COP, JPY, UGX and BRL [33].
• When the contractor invoices in the customer's billing currency, Remote states the contractor bears FX costs [33].
• Payout speed: Remote states most payments arrive in contractors' bank accounts within 2 days of Remote receiving the invoice payment [34]. Its help center gives 1–3 business days after funds are received, depending on contractor bank location and currency [36]. Remote also states “70% of contractor payments are instant and 91% of invoices are paid the next day” [35].
• Payout methods: Remote states contractors can trigger a payout to their bank account [37]. On its contractor management page, Remote names a digital wallet among its options [35].
• Payout currencies: Remote states 70+ currencies on its pricing page [38] and 73 currencies on its contractor management page [35]. A Remote blog post states 70+ currencies in over 180 countries [39].
• Price for the company: Remote lists Contractor Management from $29 per active contractor per month [35], Contractor Management Plus from $99 per contractor per month [38] and Contractor of Record from $325 per contractor per month [38]. It states that under Contractor of Record it contracts with and pays the contractor directly [38]. Remote states there are no hidden fees beyond a 3.5% credit card service fee [35]. It states it does not charge a standard deposit or deposit fee [38], and that there are no setup or onboarding fees, with the Remote Platform included at no extra cost on every plan [38].
• Countries for contractors: Remote states 190+ countries on its pricing page [38] and 180+ countries on its payout explorer [34].

What reviewers say

Ratings: G2 4.5 (5,450 reviews) · Capterra 4.34 (102 reviews) · Trustpilot 4.6 (3,542 reviews). Of the 300 most recent reviews we read (published February 2021 – October 2026), 96 come from companies, 119 from people who work through the service and 85 are unclear. 194 of 200 reviews are marked as incentivized by the platform.

Most frequent praise:

• Support is responsive and helpful — 171 of 300 reviews (example, G2)
• The platform is easy to use — 136 of 300 reviews (example, G2)
• Setup and onboarding are quick — 64 of 300 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 30 of 300 reviews (example, G2)
• Pricing is high for companies — 18 of 300 reviews (example, G2)
• Setup or onboarding is slow — 16 of 300 reviews (example, G2)

It may suit you if…

• You want the SWIFT deduction range and the no-fee case for same-currency local payments stated [34].
• You want no standard deposit and no setup or onboarding fees stated [38].
• You want three contractor tiers with prices stated [35][38].

Rippling

Rippling states that its Global Contractors product lets you “onboard contractors in 185+ different countries within minutes” [40], and it states it “pays international contractors in days, not weeks” [40].

• Fees and FX for the contractor: No information found.
• Payout speed: Rippling states it typically takes 2–4 days after pay runs are approved for funds to arrive in a contractor's balance, depending on the bank that funds contractor payroll [42]. It names instant transfer as an option [41].
• Payout methods: Rippling lists bank transfer, Wise, Revolut, debit cards and more [43].
• Payout currencies: Rippling states 50+ currencies across 185+ countries [43] and 50+ local currencies [40].
• Price for the company: Rippling lists Global Contractors from $30 per month [43]. For other services, it asks you to say what you need and sends a custom quote [44].
• Countries for contractors: Rippling states 185+ countries [40][43].

What reviewers say

Ratings: G2 4.7 (14,754 reviews) · Capterra 4.86 (4,886 reviews) · Trustpilot 4.6 (2,635 reviews). Of the 300 most recent reviews we read (published November 2024 – October 2026), 102 come from companies, 109 from people who work through the service and 89 are unclear. 186 of 200 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 194 of 300 reviews (example, G2)
• Setup and onboarding are quick — 40 of 300 reviews (example, G2)
• Support is responsive and helpful — 26 of 300 reviews (example, Trustpilot)

Most frequent complaints:

• The platform is hard to use or missing features — 32 of 300 reviews (example, G2)
• Pricing is high for companies — 23 of 300 reviews (example, G2)
• Support is slow or hard to reach — 18 of 300 reviews (example, G2)

It may suit you if…

• You want a monthly price for Global Contractors stated on a landing page [43].
• You want named payout methods that include Wise, Revolut and debit cards [43].
• You want a stated timing after pay-run approval [42].

Atlas HXM alternatives by scenario

We recorded Contractor of Record prices on the pricing pages of Deel, Multiplier and Remote [11][20][38], and every provider other than 4dev.com gives a payout time in its own form.

Contractor-only team

Contractor of Record prices as recorded on those three pricing pages, in alphabetical order:

• Deel lists Contractor of Record from $325 per contractor of record per month [11].
• Multiplier lists Contractor of Record at $400 per contractor per month, billed annually, plus compliance-mandated add-ons [20].
• Remote lists Contractor of Record from $325 per contractor per month [38].

Providers state payout times in different forms:

• Deel: from instant to 5–7 business days, by withdrawal method [10].
• G-P: “instant payouts” on its contractor page [15], and more than 50% of Wise-powered payments instant in its 2023 press release [14].
• Multiplier: same-day contractor payment processing [17].
• Oyster: 1–2 days on local rails, and about 4 days, up to 7, on international rails [24].
• Pebl: 1–2 business days for Standard ACH (U.S.) and 3–5 business days for a global bank account [30].
• Remote: most payments within 2 days of Remote receiving the invoice payment [34].
• Rippling: typically 2–4 days after pay runs are approved [42].

Employees

If you hire employees, see our guide to employer of record services.

Mixed workforce

Comparing contractor platforms and choosing an EOR are two separate questions. Our article on agent of record vs employer of record covers the second.

What to verify on a demo

Put the same seven questions to any provider, the one you use today included, and get the answers in writing before you pick an Atlas HXM alternative.

1. Who signs the agreement with the contractor: you, the provider as Contractor of Record, or the contractor's own entity?
2. What is the all-in cost per contractor per month: base price, card surcharge, FX, withdrawal fees and add-ons? Remote, for example, states a 3.5% credit card service fee [35], and Multiplier lists compliance-mandated add-ons and an implementation fee as applicable on its Contractor of Record plan [20].
3. How many business days pass from your payment to funds in the contractor's account, by country and payout method? Oyster, for example, states different times for local and international rails [24].
4. What KYC does the contractor go through, and how long does it take?
5. Is there a deposit or prepayment? Remote, for example, states it does not charge a standard deposit [38].
6. Which records can finance, an auditor or an investor get on request, and in what format?
7. How does offboarding work, and are there fees to end an engagement?

FAQ

Do I need an Employer of Record (EOR) if I only use contractors?

An Employer of Record legally employs your full-time hires in a country where you have no entity. A Contractor of Record is a model for engaging independent contractors in which the provider takes the contracting role, which may reduce misclassification risk. Independent contractors are engaged under a contractor model, so which one fits depends on whether the relationship is employment or contracting. We recorded Contractor of Record prices on the pricing pages of Deel, Multiplier and Remote [11][20][38]. Our article on agent of record vs employer of record covers the difference between the two roles.

How much do Atlas HXM alternatives cost?

Prices as stated on each provider's website, checked November 2026:

• 4dev.com: service fee of 3% or less, depending on monthly volume [1]
• Deel: from $49 per contractor per month [11]
• G-P: from USD 39 per contractor per month [16]
• Multiplier: $40 per contractor per month, billed annually [20]
• Oyster: free for 30 days, then USD 29 per contractor per month [22]
• Pebl: No information found
• Remote: Contractor Management from $29 per active contractor per month [35]
• Rippling: Global Contractors from $30 per month [43]; a custom quote for other services [44]

Who pays currency conversion and withdrawal costs?

It depends on the provider and the set-up, and each provider states its own terms:

• Deel: no withdrawal fee for Wise, local bank transfer at no cost to the contractor, and 2% (capped at $15, with a minimum withdrawal of $5) for Instant Card Transfer outside the US [10].
• Oyster: a conversion fee only when the company pays in a currency different from the contract currency [22]; the contractor bears the FX fluctuation when the agreement is in a currency other than their local currency and they are paid in local currency, and the employer takes the FX risk when the agreement is in the contractor's local currency [23].
• Pebl: 3% when the contractor is paid in a currency other than the agreement's [26], and no conversion fee for a Platform Balance transfer converted at market rates [29].
• Remote: it depends on the invoice currency [33], and SWIFT partners may deduct $5–$15 [34].

Several providers state no contractor-side fee in at least one set-up, for example Oyster [23] and Remote [34].

How many countries and currencies do these providers cover?

Each provider states its own range, and some give a second figure on another page:

• 4dev.com: 150+ countries [2]
• Deel: 150+ countries [13] (200+ countries and jurisdictions on one page [12]); 120+ currencies [11] (180+ for local bank transfer [10])
• G-P: 180+ countries and 50+ currencies in its 2023 press release [14] (190+ countries and 130+ currencies on its product and pricing pages [15][16])
• Multiplier: 150+ countries [21]; 120+ currencies [17]
• Oyster: 180+ countries [25]; 120+ currencies [22]
• Pebl: 180+ countries [32]; 37+ currencies [30]
• Remote: 180+ countries [34] (190+ on its pricing page [38]); 70+ currencies [38] (73 on its product page [35])
• Rippling: 185+ countries [40]; 50+ currencies [43]

Check the country list for your contractors' countries on each provider's page; 4dev.com publishes its list on its countries page.

What does Atlas HXM state about its Agent of Record price and countries?

Atlas HXM lists $199 per contractor per month, “Cancel anytime” and a fee that includes KYB and KYC verification on its pricing page at the time of writing [8]. On its AOR product page, it states “Available in 30+ Countries” [9]. The same pricing page separately lists an EOR service with owned and operated entities in 160+ countries [8].

Sources

Provider pages as accessed on the dates shown. Competitor addresses are given as plain text.

4dev.com

• [1] 4dev.com, pricing — https://4dev.com/pricing/ — accessed 1 November 2026
• [2] 4dev.com, contractors — https://4dev.com/contractors/ — accessed 1 November 2026
• [3] 4dev.com, home page — https://4dev.com/ — accessed 1 November 2026
• [4] 4dev.com, countries — https://4dev.com/countries/ — accessed 1 November 2026
• [5] 4dev.com, global compliance — https://4dev.com/global-compliance/ — accessed 1 November 2026
• [6] 4dev.com, for CFOs — https://4dev.com/cfo/ — accessed 1 November 2026

Atlas HXM (reference)

• [7] Atlas HXM, Agent of Record — https://www.atlashxm.com/agent-of-record-aor — accessed 9 November 2026
• [8] Atlas HXM, pricing — https://www.atlashxm.com/pricing — accessed 9 November 2026
• [9] Atlas HXM, AOR product — https://www.atlashxm.com/aor-product — accessed 9 November 2026

Deel

• [10] Deel, contractor payment withdrawal options — https://www.deel.com/blog/contractor-payment-withdrawal-options-on-deel/ — accessed 1 November 2026
• [11] Deel, pricing — https://www.deel.com/pricing/ — accessed 1 November 2026
• [12] Deel, contractors — https://www.deel.com/solutions/payroll/contractors/ — accessed 1 November 2026
• [13] Deel, how to pay foreign independent contractors — https://www.deel.com/blog/how-to-pay-foreign-independent-contractors/ — accessed 1 November 2026

G-P

• [14] G-P, Wise integration press release (22 February 2023) — https://www.globalization-partners.com/news/wise-and-g-p-launch-integration/ — accessed 2 November 2026
• [15] G-P, G-P Contractor — https://www.g-p.com/g-p-contractor/ — accessed 2 November 2026
• [16] G-P, pricing — https://www.g-p.com/pricing — accessed 2 November 2026

Multiplier

• [17] Multiplier, contractor invoicing and payments — https://usemultiplier.com/solutions/contractor-invoicing-and-payments — accessed 2 November 2026
• [18] Multiplier, FAQ — https://www.usemultiplier.com/faq — accessed 2 November 2026
• [19] Multiplier, contractor management system — https://www.usemultiplier.com/product/contractor-management-system — accessed 2 November 2026
• [20] Multiplier, pricing — https://www.usemultiplier.com/pricing — accessed 2 November 2026
• [21] Multiplier, Contractor of Record — https://www.usemultiplier.com/product/contractor-of-record — accessed 1 November 2026

Oyster

• [22] Oyster, pricing — https://www.oysterhr.com/pricing — accessed 2 November 2026
• [23] Oyster help center, how foreign exchange works for contractors — https://support.oysterhr.com/hc/en-us/articles/34395783875345-How-does-foreign-exchange-work-for-contractors — accessed 2 November 2026
• [24] Oyster help center, invoices and the payment process for contractors — https://support.oysterhr.com/hc/en-us/articles/34395868832017-How-do-invoices-and-the-payment-process-work-for-contractors — accessed 2 November 2026
• [25] Oyster, global contractor — https://www.oysterhr.com/how-it-works/global-contractor — accessed 2 November 2026

Pebl (formerly Velocity Global)

• [26] Pebl help center, currency conversion fee — https://contractorhelp.hellopebl.com/en/articles/9714617-currency-conversion-fee — accessed 8 November 2026
• [27] Pebl help center, payout methods — https://contractorhelp.hellopebl.com/en/articles/9624005-payout-methods — accessed 8 November 2026
• [28] Pebl help center, instant payout FAQs — https://contractorhelp.hellopebl.com/en/articles/9624030-instant-payout-faqs — accessed 8 November 2026
• [29] Pebl help center, platform balance — https://contractorhelp.hellopebl.com/en/articles/11995798-platform-balance — accessed 8 November 2026
• [30] Pebl help center, how you get paid — https://contractorhelp.hellopebl.com/en/articles/9624013-how-you-get-paid — accessed 8 November 2026
• [31] Pebl, home page — https://hellopebl.com/ — accessed 8 November 2026
• [32] Pebl, contractor management — https://hellopebl.com/platform/contractor-management/ — accessed 8 November 2026

Remote

• [33] Remote help center, FX payouts for contractors — https://support.remote.com/hc/en-us/articles/4416621389069 — accessed 2 November 2026
• [34] Remote, contractor payout explorer — https://remote.com/resources/contractor-payout-explorer — accessed 2 November 2026
• [35] Remote, contractor management — https://remote.com/global-hr/contractor-management — accessed 1 November 2026
• [36] Remote help center, contractor payment timing — https://support.remote.com/hc/en-us/articles/4406803200013 — accessed 2 November 2026
• [37] Remote help center, contractor payouts — https://support.remote.com/hc/en-us/articles/5499542053261 — accessed 2 November 2026
• [38] Remote, pricing — https://remote.com/pricing — accessed 2 November 2026
• [39] Remote blog, flexible currency options for contractors — https://remote.com/blog/contractor-management/borderless-payments-contractors-flexible-currency-options — accessed 2 November 2026

Rippling

• [40] Rippling, Global Contractors — https://www.rippling.com/products/global/global-contractors — accessed 2 November 2026
• [41] Rippling, contractor management — https://www.rippling.com/contractor-management — accessed 2 November 2026
• [42] Rippling, global contractors — https://www.rippling.com/global-contractors — accessed 2 November 2026
• [43] Rippling, paid global contractors — https://www.rippling.com/paid-global-contractors — accessed 2 November 2026
• [44] Rippling, pricing — https://www.rippling.com/pricing — accessed 2 November 2026

Review platforms

Ratings and reviews as of 27 October 2026; 4dev.com on G2 as of 8 November 2026.

• 4dev.com: G2 5.0 (3 reviews) — accessed 8 November 2026 · Trustpilot 4.1 (56 reviews) — accessed 27 October 2026; no reviews on Capterra
• Atlas HXM: G2 4.2 (97 reviews) · Capterra 5 (5 reviews) · Trustpilot 2.9 (2 reviews) — accessed 27 October 2026
• Deel: G2 4.7 (7,396 reviews) · Capterra 4.85 (4,319 reviews) · Trustpilot 4.6 (9,731 reviews) — accessed 27 October 2026
• G-P: G2 4.4 · Capterra 4.51 (65 reviews) · Trustpilot 4.3 (148 reviews) — accessed 27 October 2026
• Multiplier: G2 4.7 · Capterra 4.42 (45 reviews) · Trustpilot 4.8 (2,868 reviews) — accessed 27 October 2026
• Oyster: G2 4.4 (1,624 reviews) · Capterra 4.57 (91 reviews) · Trustpilot 3.8 (272 reviews) — accessed 27 October 2026
• Pebl (formerly Velocity Global): G2 4.6 (617 reviews) · Trustpilot 3.2 (6 reviews); no reviews on Capterra — accessed 27 October 2026
• Remote: G2 4.5 (5,450 reviews) · Capterra 4.34 (102 reviews) · Trustpilot 4.6 (3,542 reviews) — accessed 27 October 2026
• Rippling: G2 4.7 (14,754 reviews) · Capterra 4.86 (4,886 reviews) · Trustpilot 4.6 (2,635 reviews) — accessed 27 October 2026

Review data collected 27 October 2026; 4dev.com on G2 as of 8 November 2026.