Playto2Checkout alternative · Philippines · 2026
2Checkout alternative in the Philippines: 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 the Philippines, 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, Payoneer, Dodo Payments and Lemon Squeezy.
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 the Philippines. 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 |
| PayPal5 | $927.03 | $4,636.31 | $9,272.91 |
| Payoneer6 | Fees not published | Fees not published | Fees not published |
| Dodo Payments7 | ≤ $959.60 | ≤ $4,799.60 | ≤ $9,599.60 |
| Lemon Squeezy8,9 | $940.00 | $4,702.00 | $9,404.50 |
| 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 |
| Payoneer6 | ≤ $978.12 | ≤ $4,890.60 | ≤ $9,781.20 |
| Dodo Payments7 | ≤ $985.00 | ≤ $4,985.00 | ≤ $9,985.00 |
| Lemon Squeezy9 | $940.00 | $4,702.00 | $9,404.50 |
- 1.2Checkout: 2Sell fee per sale. www.2checkout.com/pricing/, checked 17 Oct 2026.
- 2.2Checkout: Cross-border fee (Philippines 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 the Philippines; PayPal: Conversion to PHP above PayPal's base rate. www.paypal.com/ph/business/paypal-business-fees, checked 17 Oct 2026.
- 6.Payoneer: Card payment fee, up to 3.99% + USD 0.49 (exact rate not published); Payoneer: Withdrawal fee in PHP with currency conversion (1.2% to 4%; we count the lowest); Payoneer: Fee for receiving USD into a USD receiving account (1%, minimum USD 1.00). www.payoneer.com/pricing/, checked 17 Oct 2026.
- 7.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.
- 8.Lemon Squeezy: Platform fee. www.lemonsqueezy.com/pricing, checked 17 Oct 2026.
- 9.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.
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 (Philippines 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 the Philippines
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
In the Philippines, InstaPay moves smaller payments between people, businesses and government. PESONet moves money from account to account for bulk and regular payments that are not urgent.
Source: www.bsp.gov.ph, checked 17 Oct 2026.
Money rules
The central bank says foreign currency that people in the Philippines earn from non-trade sources may be used freely. They may sell it for pesos, keep it, or put it in foreign currency accounts in the Philippines or abroad.
Source: www.bsp.gov.ph, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 62.658 PHP (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 the Philippines.
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 the Philippines: questions
Is Playto cheaper than 2Checkout in the Philippines?
What are the alternatives to 2Checkout for a business in the Philippines?
How does a business in the Philippines 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.