Which EOR risks show up as money on the invoice?
Summary
Summary
Six. A deposit that grows with the contract (Deel: a month more per month of extra notice); a true-up on a missed minimum (Remote: commit $100,000, use $85,000, owe $15,000); a penalty for breaching the termination process (Multiplier: 15% of the final invoice); exchange-rate conversion between payslip and billing currencies (Remote: markup unpublished); a starting price that is higher in your country (RemoFirst, Skuad, G-P, Pebl and others); and two providers billing the same month during a switch (Remote: "you will be charged twice"). Compliance risk and permanent-establishment risk are real, but they do not arrive as an invoice line, so they are not here.
The six that become a line
| # | Risk | Who documents it | Amount |
|---|---|---|---|
| 1 | A deposit that grows with contract terms | Deel | 1 to 1.5 months standard; 2 months if probation is removed; a month per extra month of notice; variable pay over $100,000 in full in four countries |
| 2 | A missed minimum contract value (true-up) | Remote, Order Form | The gap between commitment and spend; example $15,000 |
| 3 | Breaching the termination process | Multiplier, EOR terms | 15% of the final invoice |
| 4 | Currency conversion | Remote (Remote FX Rate); Oyster (conversion fee outside the contract currency) | Markup unpublished |
| 5 | A starting price higher in your country | RemoFirst, Skuad, G-P, Pebl, Native Teams, Papaya, Playroll, Atlas | Range unpublished; Atlas states a separate country line |
| 6 | Two fees in a switching month | Remote | Two providers' monthly fees |
1. The deposit
Deel documents its deposit in the most detail. A €60,000 hire in Germany on three months' notice puts up three months of the €6,065 monthly bill plus fees, more than €18,195, before the first $599 invoice. That is cash you can calculate rather than a risk, but it grows with every line added to the contract, which is why it is here.
Remote: rare high-risk cases only. Oyster: normally a month. Playroll: about a month. Seven providers say nothing.
2. The true-up
If Remote's Order Form carries a minimum contract value and the year's fees fall short, the difference is invoiced. Ending the contract early does not cancel it, and a year with no usage still triggers it. At $8,388 per employee-year, a $15,000 shortfall is about two people you paid for and did not hire.
It is the line behind "$100 off for annual billing," and it exceeds the discount as soon as a hiring plan slips a quarter.
3. The penalty
Multiplier's EOR terms set 15% of the full and final invoice for a client breach of the termination process. The final invoice holds the last salary, unused leave and severance, so the base is large. No other provider's public documents carry a comparable figure; Deel's rule is 30 days' notice and Deel's choice of route, with no stated sum for getting it wrong.
4. Conversion
Where the payslip currency differs from the billing currency, a conversion happens somewhere. Remote's rate varies month to month and the markup is unpublished; Oyster charges a fee for payments outside the contract currency; the rest say nothing.
Remote's twelve billing currencies let you be billed in the payslip currency and move the conversion to your own bank. Whether that beats the markup is unknowable until the first invoice, because the rate is not visible before it.
5. The starting price
Eight of the fourteen publish a "from" price that rises by country, and none gives the range (Atlas says only that the country rate is a separate line). If RemoFirst's $199 is $299 in your country, that is $1,200 a year, two and a half times Multiplier's annual discount.
6. Double billing
Remote's guidance on moving someone between its own entities says that if the dates overlap in one month "you will be charged twice." Switching to another EOR works the same way: each bills the month it employs the person. Resigning on the last day and starting on the first removes it, but the resignation date depends on the payroll cutoff, so hitting the month end means starting the process two weeks earlier.
Risks that do not become a line
Misclassification, permanent establishment, data protection, breaches of local law. All real; none arrives as an invoice line, and when they do arrive it is as a letter from an authority, not from the provider. They have their own articles. This one is limited to what you can check as a number on a quote or an invoice.
What a quote can remove
Of the six, 1, 2 and 5 can be turned into numbers at the quote stage (deposit amount, whether a minimum exists, the price in your country). 3 is a clause to read, 4 a billing-currency choice, 6 a matter of dates. The only one that stays open is the deposit at a provider that does not mention one, and for that there is nothing to do but ask.
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Sources
- https://help.letsdeel.com/hc/en-gb/articles/15574494993297-About-EOR-Deposit-Calculations
- https://support.remote.com/hc/en-us/articles/47842035392909-What-is-a-true-up-invoice-and-when-will-you-receive-one
- https://www.usemultiplier.com/legal/eor-terms
- https://support.remote.com/hc/en-us/articles/4407227685005-What-conversion-rates-are-used-when-invoicing
- https://www.remofirst.com/price
- https://support.remote.com/hc/en-us/articles/26871222438925-How-does-employee-transfer-from-one-entity-to-another-work
- https://help.letsdeel.com/hc/en-gb/articles/4407745339281-EOR-Terms-Explained-WOF-IPP-and-more
Related on this site
- What does an EOR charge you on top of the monthly fee?
- Is the price on an EOR pricing page the price you'll actually pay?
- What an EOR asks you for before day one
- How much does switching EOR providers cost?
Related on this site
- What happens to your employees when you move them to a different EOR?
- When you hire through an EOR, who pays each tax and social-insurance line, and whose invoice does it land on?
Written by Kaz, independent publisher. No commercial relationship with the providers named unless it is listed on the disclosure page.
Page last updated 2026-10-05. Sources are listed per figure and labeled statutory or payroll reference. Rates last verified 2026-08-21. This is not legal, tax or payroll advice and we do not file anyone's payroll.
Every formula on this site is written out in full on Method. Ordering is by computed cost, never by what a provider pays us.
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