Adyen alternative · Croatia · 2026

Adyen alternative in Croatia: fees on $10,000, side by side

On a $10,000 card payment from a client in the United States to a business in Croatia, Adyen takes at least $60.13 in fees. Some of its fees are not published. Playto takes $250.30 and adds zero markup, so you keep $9,749.70. The table below also shows Stripe, Payoneer, Dodo Payments and Lemon Squeezy.

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Fees on $10,000 by card

  • AdyenYou receive $9,939.87 at most≥ $60.13
  • PlaytoYou receive $9,749.70$250.30

The numbers

What lands in your bank

Example payments from a client in the United States to a business in Croatia. All fees included. Taxes not included.

With Playto you receive
$9,749.70
On a $10,000 card payment.
Adyen all in
0.6%+
Of a $10,000 card payment.
Playto all in
2.5%
Of a $10,000 card payment.
Ways to pay
30+
From 170+ countries.
Client pays by card: what you receive
Provider$1,000$5,000$10,000
Playto$974.70$4,874.70$9,749.70
Adyen1,2≤ $993.87≤ $4,969.87≤ $9,939.87
Stripe3$948.22$4,742.22$9,484.72
Payoneer4Fees not publishedFees not publishedFees not published
Dodo Payments5≤ $959.60≤ $4,799.60≤ $9,599.60
Lemon Squeezy6,7$940.00$4,702.00$9,404.50
Client pays by bank transfer: what you receive
Provider$1,000$5,000$10,000
Playto$995.00$4,995.00$9,995.00
AdyenNot listedNot listedNot listed
StripeNot listedNot listedNot listed
Payoneer4≤ $983.55≤ $4,923.75≤ $9,849.00
Dodo Payments5≤ $985.00≤ $4,985.00≤ $9,985.00
Lemon Squeezy7$940.00$4,702.00$9,404.50
  1. 1.Adyen: Processing fee; Adyen: Adyen fee for Visa or Mastercard, on top of interchange and scheme fees; Adyen: Interchange and scheme fees, passed on by Adyen as they vary (not published). www.adyen.com/pricing, checked 17 Oct 2026.
  2. 2.Adyen: Currency conversion into your currency, reference rate plus management fee (not published). docs.adyen.com/development-resources/currency-codes, checked 17 Oct 2026.
  3. 3.Stripe: International card fee (3.15%); Stripe: Fixed fee (EUR 0.25, converted at the ECB rate of 16 Oct 2026); Stripe: Currency conversion surcharge (USD to EUR). stripe.com/hr/pricing, checked 17 Oct 2026.
  4. 4.Payoneer: Card payment fee, up to 3.99% + USD 0.49 (exact rate not published); Payoneer: Conversion fee from USD to EUR between Payoneer balances (0.5%); Payoneer: Withdrawal fee in EUR to a bank in Croatia (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.
  5. 5.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.
  6. 6.Lemon Squeezy: Platform fee. www.lemonsqueezy.com/pricing, checked 17 Oct 2026.
  7. 7.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 card, line by line

Adyen

  • Processing fee1$0.13
  • Adyen fee for Visa or Mastercard, on top of interchange and scheme fees1$60.00
  • Interchange and scheme fees, passed on by Adyen as they vary1Not published
  • Currency conversion into your currency, reference rate plus management fee2Not published
  • Total (at least)$60.13
  • You receive (at most)$9,939.87

Some fees on this route aren't published, so this is the least it can cost.

Playto

  • Card fee$250.30
  • Total$250.30
  • You receive$9,749.70

Prices from playto.so/pricing. Playto adds zero markup.

Getting paid in Croatia

The basics, with sources

Public facts from official sources, each with its date. Not advice: check with your bank.

Currency

Euro (EUR).

Source: www.six-group.com, checked 17 Oct 2026.

Local bank payments

Payments in Croatia go through three systems: TARGET-HR for large payments, EuroNCS for SEPA credit transfers and direct debits, and EuroNCSInst for SEPA instant transfers.

Source: www.hnb.hr, checked 17 Oct 2026.

Instant payments

Under EU rules, all banks in Croatia must let their customers receive SEPA instant payments from 9 January 2025 and send them from 9 October 2025.

Source: www.hnb.hr, checked 17 Oct 2026.

Money rules

EU law bans limits on payments between EU countries, and between EU countries and the rest of the world.

Source: eur-lex.europa.eu, checked 17 Oct 2026.

Payment apps and cards

Payment cards are the most used way to pay without cash in Croatia. In 2025, 79.7% of card transactions were contactless.

Source: www.hnb.hr, checked 22 Oct 2026.

Everyday payments

In 2024, 28% of everyday payments by people in Croatia were made online, one of the highest shares in the euro area. By value, online payments were 47% of the total.

Source: www.ecb.europa.eu, checked 22 Oct 2026.

Exchange rate, for scale

1 USD = 0.881 EUR (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 Croatia.

$10,000
$1,000$50,000

Fees charged

  • AdyenYou receive $9,939.87 at most≥ $60.13
  • PlaytoYou receive $9,749.70$250.30

Side by side

Adyen and Playto, in plain numbers

What adds to the cost with Adyen

  • Adyen lists no bank transfer option for a client in the United States paying a business in Croatia.
  • All in, Adyen takes $60.13 or more (0.6%) of a $10,000 card payment. Playto takes $250.30.
  • Some Adyen fees for card payments are not published, so the real cost can be higher.
  • By card, Adyen's published fees come to less at every amount we checked, from $1,000 to $50,000, but not all of its fees are published.

When Adyen 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 Adyen in three steps

  1. 1

    Request an invite

    Tell us about your business. Playto checks every business before it gets in.

  2. 2

    Send a payment link

    Share a link or an invoice. Your client can pay 30+ ways, from 170+ countries.

  3. 3

    Get paid

    Cards cost 2.5% + $0.30. Bank transfers are never more than $5. Playto adds zero markup.

FAQ

Adyen alternative in Croatia: questions

Is Playto cheaper than Adyen in Croatia?
We can't say for sure. By card, Adyen's published fees come to less at every amount we checked, from $1,000 to $50,000, but not all of its fees are published. On $10,000 by card, Adyen takes at least $60.13 and Playto takes $250.30. Taxes are not included.
What are the alternatives to Adyen for a business in Croatia?
On a $10,000 card payment from a client in the United States to a business in Croatia: Stripe takes $515.28; Dodo Payments takes at least $400.40; Lemon Squeezy takes $595.50; Playto takes $250.30. Each number comes from the provider's own pricing page. Payoneer doesn't publish a card fee for this case.
How does a business in Croatia get paid from abroad?
Send your client a payment link or an invoice. Your client can pay 30+ ways, from 170+ countries. They pick a card, a wallet or a bank transfer (ACH, SEPA, UK and wires).
How much does Adyen charge on a $10,000 payment from the United States?
By card, Adyen takes at least $60.13 on $10,000, so at most $9,939.87 reaches a business in Croatia. Its published fees include the $60.00 Adyen fee for Visa or Mastercard and the $0.13 processing fee. Some of its fees are not published. Every fee is listed on this page, with its source. These numbers come from Adyen's own pricing pages, checked 17 Oct 2026.
How much does Playto cost?
Cards and wallets cost 2.5% + $0.30, the same for every card. Bank transfers are never more than $5. Playto adds zero markup. There are no monthly fees and no setup fees. Payments between Playto users are free.
How do I move from Adyen to Playto?
Request an invite and tell us about your business. Playto checks every business before it gets in. Then send your client a payment link or an invoice.

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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.

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