Playto2Checkout alternative · Nigeria · 2026
2Checkout alternative in Nigeria: 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 Nigeria, 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 PayPal, Lemon Squeezy, Paddle and Paystack.
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 Nigeria. 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 | $995.00 | $4,995.00 | $9,995.00 |
| 2Checkout2,3,4 | ≤ $929.65 | ≤ $4,709.65 | ≤ $9,434.65 |
| PayPal | Not listed | Not listed | Not listed |
| Lemon Squeezy8 | $940.00 | $4,702.00 | $9,404.50 |
| Paddle10,11 | ≤ $950.00 | ≤ $4,810.00 | ≤ $9,635.00 |
| Paystack | Not listed | Not listed | Not listed |
- 1.2Checkout: 2Sell fee per sale. www.2checkout.com/pricing/, checked 17 Oct 2026.
- 2.2Checkout: Cross-border fee (Nigeria 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.PayPal: Payment fee for a client outside Nigeria. www.paypal.com/ng/business/paypal-business-fees, checked 17 Oct 2026.
- 6.PayPal: Conversion to NGN by PayPal's local partner (not published). www.paypal.com/ng/cshelp/article/what-is-the-third-party-partner-service--help1010, checked 17 Oct 2026.
- 7.Lemon Squeezy: Platform fee. www.lemonsqueezy.com/pricing, checked 17 Oct 2026.
- 8.Lemon Squeezy: Transfer fee to a bank outside the US; Lemon Squeezy: Platform fee (same for ACH bank debits). docs.lemonsqueezy.com/help/getting-started/fees, checked 17 Oct 2026.
- 9.Paddle: Paddle Checkout fee. www.paddle.com/pricing, checked 17 Oct 2026.
- 10.Paddle: SWIFT transfer fee for USD to your bank (one a month). www.paddle.com/help/manage/get-paid/is-there-a-fee-taken-for-payouts, checked 17 Oct 2026.
- 11.Paddle: Fee on a Paddle invoice paid by bank transfer. www.paddle.com/legal/terms, checked 17 Oct 2026.
- 12.Paystack: International card fee (3.9% + NGN 100, converted at the US Treasury rate of 30 Sept 2026). support.paystack.com/en/articles/2130306, 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 (Nigeria 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 Nigeria
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
NIBSS Instant Payments (NIP) moves money between bank accounts in Nigeria, for people and businesses. NIBSS is owned by all licensed banks, including the Central Bank of Nigeria.
Source: nibss-plc.com.ng, checked 17 Oct 2026.
Exchange rate
In 2023, the Central Bank of Nigeria joined its currency markets into one, the Nigerian Foreign Exchange Market (NFEM), where buyers and sellers agree the rate. Since 2016, the naira's value between banks has mostly been set by supply and demand.
Source: www.cbn.gov.ng, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 1,326.78 NGN (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 Nigeria.
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 Nigeria: questions
Is Playto cheaper than 2Checkout in Nigeria?
What are the alternatives to 2Checkout for a business in Nigeria?
How does a business in Nigeria 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?
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.