Paddle alternative · Nigeria · 2026

Paddle 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, Paddle takes at least $365.00 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 PayPal, Lemon Squeezy, 2Checkout and Paystack.

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Fees on $10,000 by bank transfer

  • PaddleYou receive $9,635.00 at most≥ $365.00
  • 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 Nigeria. All fees included. Taxes not included.

Difference on $10,000
≥ $360.00
By bank transfer, what reaches you with Playto compared with Paddle (not all its fees are published, so at least this).
Paddle all in
≥ $365.00
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
Paddle1,2≤ $934.50≤ $4,734.50≤ $9,484.50
PayPal4,5≤ $950.70≤ $4,754.70≤ $9,509.70
Lemon Squeezy6,7$940.00$4,702.00$9,404.50
2Checkout8,9,10≤ $929.65≤ $4,709.65≤ $9,434.65
Paystack12$960.92$4,804.92$9,609.92
Client pays by bank transfer: what you receive
Provider$1,000$5,000$10,000
Playto$995.00$4,995.00$9,995.00
Paddle2,3≤ $950.00≤ $4,810.00≤ $9,635.00
PayPalNot listedNot listedNot listed
Lemon Squeezy7$940.00$4,702.00$9,404.50
2Checkout9,10,11≤ $929.65≤ $4,709.65≤ $9,434.65
PaystackNot listedNot listedNot listed
  1. 1.Paddle: Paddle Checkout fee. www.paddle.com/pricing, checked 17 Oct 2026.
  2. 2.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.
  3. 3.Paddle: Fee on a Paddle invoice paid by bank transfer. www.paddle.com/legal/terms, checked 17 Oct 2026.
  4. 4.PayPal: Payment fee for a client outside Nigeria. www.paypal.com/ng/business/paypal-business-fees, checked 17 Oct 2026.
  5. 5.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.
  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.
  8. 8.2Checkout: 2Sell fee per sale. www.2checkout.com/pricing/, checked 17 Oct 2026.
  9. 9.2Checkout: 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.
  10. 10.2Checkout: Wire transfer fee for USD to your bank (one a month). docs.2checkout.com/get-started/getting-started/payouts, checked 17 Oct 2026.
  11. 11.2Checkout: 2Sell fee per sale (also on wire-paid orders). docs.2checkout.com/payments/payments/payment-methods, checked 17 Oct 2026.
  12. 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

Paddle

  • Fee on a Paddle invoice paid by bank transfer3$350.00
  • SWIFT transfer fee for USD to your bank (one a month)2$15.00
  • Total (at least)$365.00
  • You receive (at most)$9,635.00

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 Nigeria

The basics, with sources

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

Currency

Naira (NGN).

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

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.

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

Fees charged

  • PaddleYou receive $9,635.00 at most≥ $365.00
  • 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 $515.50 or more (5.2%) 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 $365.00 or more (3.7%) 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. 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

Paddle alternative in Nigeria: questions

Is Playto cheaper than Paddle in Nigeria?
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 Nigeria. On $10,000 by bank transfer, Paddle takes at least $365.00 and Playto takes $5.00. Taxes are not included.
What are the alternatives to Paddle for a business in Nigeria?
On a $10,000 bank transfer payment from a client in the United States to a business in Nigeria: Lemon Squeezy takes $595.50; 2Checkout takes at least $565.35; Playto takes $5.00. Each number comes from the provider's own pricing page. PayPal and Paystack list no bank transfer option for this case.
How does a business in Nigeria 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 $365.00 on $10,000, so at most $9,635.00 reaches a business in Nigeria. Its published fees include the $350.00 fee on a Paddle invoice paid by bank transfer and the $15.00 SWIFT transfer fee for USD to your bank. Some of its fees are not published. 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.

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

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