Playto2Checkout alternative · New Zealand · 2026
2Checkout alternative in New Zealand: keep $9,995 of $10,000
The cheapest way in the world to get paid internationally.
On a $10,000 bank transfer payment from a client in the United States to a business in New Zealand, 2Checkout takes at least $565.35 in fees. Some of its fees are not published. Playto takes $5.00 and adds zero markup, so you keep $9,995.00. The table below also shows Stripe, Xero, Payoneer and Dodo Payments.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by bank transfer
- 2CheckoutYou receive $9,434.65 at most≥ $565.35
- PlaytoYou receive $9,995.00$5.00
The numbers
What lands in your bank
Example payments from a client in the United States to a business in New Zealand. All fees included. Taxes not included.
- Difference on $10,000
- ≥ $560.35
- By bank transfer, what reaches you with Playto compared with 2Checkout (not all its fees are published, so at least this).
- 2Checkout all in
- ≥ $565.35
- Of a $10,000 bank transfer payment.
- Playto all in
- $5.00
- On a $10,000 bank transfer.
- Ways to pay
- 30+
- From 170+ countries.
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $974.70 | $4,874.70 | $9,749.70 |
| 2Checkout1,2,3 | ≤ $929.65 | ≤ $4,709.65 | ≤ $9,434.65 |
| Stripe5 | $944.83 | $4,724.83 | $9,449.83 |
| Xero6,7 | ≤ $943.87 | ≤ $4,803.87 | ≤ $9,628.87 |
| Payoneer8 | Fees not published | Fees not published | Fees not published |
| Dodo Payments9 | ≤ $959.60 | ≤ $4,799.60 | ≤ $9,599.60 |
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $995.00 | $4,995.00 | $9,995.00 |
| 2Checkout2,3,4 | ≤ $929.65 | ≤ $4,709.65 | ≤ $9,434.65 |
| Stripe | Not listed | Not listed | Not listed |
| Xero | Not listed | Not listed | Not listed |
| Payoneer8 | ≤ $983.55 | ≤ $4,923.75 | ≤ $9,849.00 |
| Dodo Payments9 | ≤ $985.00 | ≤ $4,985.00 | ≤ $9,985.00 |
- 1.2Checkout: 2Sell fee per sale. www.2checkout.com/pricing/, checked 17 Oct 2026.
- 2.2Checkout: Cross-border fee (New Zealand is not exempt). docs.2checkout.com/product-catalog/product-catalog/pricing-and-charge-scenarios/cross-border-payments-fee-charges, checked 17 Oct 2026.
- 3.2Checkout: Wire transfer fee for USD to your bank (one a month). docs.2checkout.com/get-started/getting-started/payouts, checked 17 Oct 2026.
- 4.2Checkout: 2Sell fee per sale (also on wire-paid orders). docs.2checkout.com/payments/payments/payment-methods, checked 17 Oct 2026.
- 5.Stripe: International card fee (3.5%); Stripe: Fixed fee (NZD 0.30, converted at the ECB rate of 16 Oct 2026); Stripe: Currency conversion surcharge (USD to NZD). stripe.com/nz/pricing, checked 17 Oct 2026.
- 6.Xero: International card fee (3.5%); Xero: Fixed fee (NZD 0.30, converted at the ECB rate of 16 Oct 2026). www.xero.com/nz/pricing-plans/pricing-and-fees-for-stripe/, checked 17 Oct 2026.
- 7.Xero: Ignite plan, NZD 37 a month, converted at the ECB rate of 16 Oct 2026 (one payment a month). www.xero.com/nz/pricing-plans/, checked 17 Oct 2026.
- 8.Payoneer: Card payment fee, up to 3.99% + USD 0.49 (exact rate not published); Payoneer: Conversion fee from USD to NZD between Payoneer balances (0.5%); Payoneer: Withdrawal fee in NZD to a bank in New Zealand (USD 1.50); Payoneer: Fee for receiving USD into a USD receiving account (1%, minimum USD 1.00). www.payoneer.com/pricing/, checked 17 Oct 2026.
- 9.Dodo Payments: Card or wallet fee; Dodo Payments: ACH Direct Debit fee (charged instead of the card fee). dodopayments.com/pricing, checked 17 Oct 2026.
Where the money goes
$10,000 by bank transfer, line by line
2Checkout
- 2Sell fee per sale (also on wire-paid orders)4$350.35
- Cross-border fee (New Zealand is not exempt)2$200.00
- Wire transfer fee for USD to your bank (one a month)3$15.00
- Total (at least)$565.35
- You receive (at most)$9,434.65
Some fees on this route aren't published, so this is the least it can cost.
Playto
- Bank transfer fee$5.00
- Total$5.00
- You receive$9,995.00
Prices from playto.so/pricing. Playto adds zero markup.
Getting paid in New Zealand
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
ESAS, owned and run by the Reserve Bank of New Zealand, is the country's main system for settling payments between banks, one by one.
Source: www.rbnz.govt.nz, checked 17 Oct 2026.
Everyday payments
Smaller everyday payments go through the bulk electronic clearing system (BECS) and are then settled between each pair of banks in ESAS.
Source: www.rbnz.govt.nz, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 1.771 NZD (US Treasury reference rate, 30 Sept 2026). The rate on the day of a payment will differ.
Source: fiscaldata.treasury.gov.
Calculator
Try your own amount
From $1,000 to $50,000, by card or bank transfer, for a client in the United States paying a business in New Zealand.
Fees charged
- 2CheckoutYou receive $9,434.65 at most≥ $565.35
- PlaytoYou receive $9,995.00$5.00
Side by side
2Checkout and Playto, in plain numbers
What adds to the cost with 2Checkout
- All in, 2Checkout takes $565.35 or more (5.7%) of a $10,000 payment by card or bank transfer. Playto takes $250.30 by card and $5.00 by bank transfer.
- Some 2Checkout fees for card payments and bank transfers are not published, so the real cost can be higher.
When 2Checkout is still the right choice
- Your clients pay you inside your own country. A local payment method can cost less there. Playto is built for clients abroad.
Switching
Move from 2Checkout in three steps
- 1
Request an invite
Tell us about your business. Playto checks every business before it gets in.
- 2
Send a payment link
Share a link or an invoice. Your client can pay 30+ ways, from 170+ countries.
- 3
Get paid
Cards cost 2.5% + $0.30. Bank transfers are never more than $5. Playto adds zero markup.
FAQ
2Checkout alternative in New Zealand: questions
Is Playto cheaper than 2Checkout in New Zealand?
What are the alternatives to 2Checkout for a business in New Zealand?
How does a business in New Zealand get paid from abroad?
How much does 2Checkout charge on a $10,000 payment from the United States?
How much does Playto cost?
How do I move from 2Checkout to Playto?
Keep comparing
Related pages
Get paid by global clients
Get paid by clients abroad with zero markup
Cards cost 2.5% + $0.30. Bank transfers are never more than $5. Your client can pay 30+ ways, from 170+ countries.
No monthly fees. No setup fees. Lowest price guarantee.