Paddle alternative · Australia · 2026

Paddle alternative in Australia: keep $9,995 of $10,000

On a $10,000 bank transfer payment from a client in the United States to a business in Australia, Paddle takes at least $350.00 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, PayPal, Xero and Square.

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Fees on $10,000 by bank transfer

PaddleYou receive $9,650.00 at most≥ $350.00
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 Australia. All fees included. Taxes not included.

Difference on $10,000: ≥ $345.00; By bank transfer, what reaches you with Playto compared with Paddle (not all its fees are published, so at least this).
Paddle all in: ≥ $350.00; 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.

Client pays by card: what you receive
Provider	$1,000	$5,000	$10,000
Playto	$974.70	$4,874.70	$9,749.70
Paddle^1,2	≤ $949.50	≤ $4,749.50	≤ $9,499.50
Stripe⁴	$944.79	$4,724.79	$9,449.79
PayPal⁵	$931.88	$4,660.56	$9,321.41
Xero^6,7	≤ $939.04	≤ $4,799.04	≤ $9,624.04
Square⁸	$978.00	$4,890.00	$9,780.00

Client pays by bank transfer: what you receive
Provider	$1,000	$5,000	$10,000
Playto	$995.00	$4,995.00	$9,995.00
Paddle^2,3	≤ $965.00	≤ $4,825.00	≤ $9,650.00
Stripe	Not listed	Not listed	Not listed
PayPal	Not listed	Not listed	Not listed
Xero	Not listed	Not listed	Not listed
Square	Not listed	Not listed	Not listed

1.Paddle: Paddle Checkout fee. www.paddle.com/pricing, checked 17 Oct 2026.
2.Paddle: Conversion of your USD balance to AUD when it sends the money, up to 1.5% (not published). www.paddle.com/help/manage/get-paid/is-there-a-fee-taken-for-payouts, checked 17 Oct 2026.
3.Paddle: Fee on a Paddle invoice paid by bank transfer. www.paddle.com/legal/terms, checked 17 Oct 2026.
4.Stripe: International card fee (3.5%); Stripe: Fixed fee (AUD 0.30, converted at the ECB rate of 16 Oct 2026); Stripe: Currency conversion surcharge (USD to AUD). stripe.com/au/pricing, checked 17 Oct 2026.
5.PayPal: Payment fee (PayPal standard rate); PayPal: Extra fee for a client outside Australia; PayPal: Conversion to AUD above PayPal's base rate. www.paypal.com/au/business/paypal-business-fees, checked 17 Oct 2026.
6.Xero: International card fee (3.5%); Xero: Fixed fee (AUD 0.30, converted at the ECB rate of 16 Oct 2026). www.xero.com/au/pricing-plans/pricing-and-fees-for-stripe/, checked 17 Oct 2026.
7.Xero: Cheapest plan with online invoice payments (Ignite, AUD 37 a month, converted at the ECB rate of 16 Oct 2026); Xero: Change from USD to AUD by the client's card issuer (not published). www.xero.com/au/pricing-plans/, checked 17 Oct 2026.
8.Square: Online or invoice card fee. squareup.com/au/en/pricing, checked 17 Oct 2026.

Where the money goes

$10,000 by bank transfer, line by line

Paddle

Fee on a Paddle invoice paid by bank transfer³$350.00
Conversion of your USD balance to AUD when it sends the money, up to 1.5%²Not published
Total (at least)$350.00
You receive (at most)$9,650.00

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 Australia

The basics, with sources

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

Currency

Australian dollar (AUD).

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

Local bank payments

Australia's New Payments Platform (NPP) carries bank payments for people and businesses. It started in February 2018.

Source: www.rba.gov.au, checked 17 Oct 2026.

Money rules

The Reserve Bank of Australia says the Australian dollar was floated on 12 December 1983. Most of the country's exchange controls were removed at the same time.

Source: unreserved.rba.gov.au, checked 17 Oct 2026.

Reporting

A bank in Australia that receives a money transfer from abroad must report it to AUSTRAC within 10 business days. The report says who paid and who got the money.

Source: www.austrac.gov.au, checked 17 Oct 2026.

Exchange rate, for scale

1 USD = 1.435 AUD (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 Australia.

Your client pays$10,000

$1,000$50,000

Fees charged

PaddleYou receive $9,650.00 at most≥ $350.00
PlaytoYou receive $9,995.00$5.00

Side by side

Paddle and Playto, in plain numbers

What adds to the cost with Paddle

All in, Paddle takes $500.50 or more (5.0%) of a $10,000 card payment. Playto takes $250.30.
Some Paddle fees for card payments are not published, so the real cost can be higher.
All in, Paddle takes $350.00 or more (3.5%) of a $10,000 bank transfer payment. Playto takes $5.00.
Some Paddle fees for bank transfer payments are not published, so the real cost can be higher.

When Paddle 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 Paddle 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

Paddle alternative in Australia: questions

Is Playto cheaper than Paddle in Australia?

Yes, at every amount from $1,000 to $50,000 we checked, by card and by bank transfer, for a client in the United States paying a business in Australia. On $10,000 by bank transfer, Paddle takes at least $350.00 and Playto takes $5.00. Taxes are not included.

What are the alternatives to Paddle for a business in Australia?

On a $10,000 card payment from a client in the United States to a business in Australia: Stripe takes $550.21; PayPal takes $678.59; Xero takes at least $375.96; Square takes $220.00; Playto takes $250.30. Each number comes from the provider's own pricing page. Stripe, PayPal, Xero and Square list no bank transfer option for this case.

How does a business in Australia 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 Paddle charge on a $10,000 payment from the United States?

By bank transfer, Paddle takes at least $350.00 on $10,000, so at most $9,650.00 reaches a business in Australia. Its published fees include the $350.00 fee on a Paddle invoice paid by bank transfer. Some of its fees are not published. Every fee is listed on this page, with its source. These numbers come from Paddle'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 Paddle 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.

Keep comparing

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.

Request an invite

No monthly fees. No setup fees. Lowest price guarantee.

Paddle alternative in Australia: keep $9,995 of $10,000

Paddle

Playto

Currency

Local bank payments

Money rules

Reporting

Exchange rate, for scale

What adds to the cost with Paddle

When Paddle is still the right choice

Request an invite

Send a payment link

Get paid