PlaytoPayoneer alternative · France · 2026
Payoneer alternative in France: fees on $10,000, side by side
On a $10,000 bank transfer payment from a client in the United States to a business in France, Payoneer takes at least $151.00 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, Square and Dodo Payments.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by bank transfer
- PayoneerYou receive $9,849.00 at most≥ $151.00
- 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 France. All fees included. Taxes not included.
- Difference on $10,000
- ≥ $146.00
- By bank transfer, what reaches you with Playto compared with Payoneer (not all its fees are published, so at least this).
- Payoneer all in
- ≥ $151.00
- 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.
- 1.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 France (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.
- 2.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/en-fr/pricing, checked 17 Oct 2026.
- 3.PayPal: Payment fee (PayPal standard rate); PayPal: Extra fee for a client outside the EEA; PayPal: Conversion to EUR above PayPal's base rate. www.paypal.com/fr/business/paypal-business-fees?locale.x=en_FR, checked 17 Oct 2026.
- 4.Square: Square Invoices card fee; Square: Fee for a card issued outside the EEA. squareup.com/help/fr/fr/article/5068-what-are-square-s-fees, checked 17 Oct 2026.
- 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.
Where the money goes
$10,000 by bank transfer, line by line
Payoneer
- Fee for receiving USD into a USD receiving account (1%, minimum USD 1.00)1$100.00
- Conversion fee from USD to EUR between Payoneer balances (0.5% of what is left after earlier fees)1$49.50
- Withdrawal fee in EUR to a bank in France (USD 1.50)1$1.50
- Total (at least)$151.00
- You receive (at most)$9,849.00
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 France
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
In France, everyday SEPA bank transfers and direct debits go through CORE(FR), a system run by the company STET and watched over by the Banque de France. Instant transfers (SEPA Instant) go through STET's SEPA(EU) system.
Source: www.banque-france.fr, 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.
Everyday payments
In 2024, cards were used for 48% of purchases in shops in France and cash for 43%. It was the first year cards were used more often than cash in shops there.
Source: www.insee.fr, checked 22 Oct 2026.
Payment apps and cards
Most payment cards in France carry two brands: the French card scheme CB and either Visa or Mastercard. CB is estimated to have carried about 70% of the money paid by card in France in 2023.
Source: www.insee.fr, 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 France.
Fees charged
- PayoneerYou receive $9,849.00 at most≥ $151.00
- PlaytoYou receive $9,995.00$5.00
Side by side
Payoneer and Playto, in plain numbers
What adds to the cost with Payoneer
- Payoneer doesn't publish its card fees for this case.
- By bank transfer, Payoneer adds 0.5% of what is left after earlier fees when it changes the money to EUR: $49.50 on $10,000.
- All in, Payoneer takes $151.00 or more (1.5%) of a $10,000 bank transfer payment. Playto takes $5.00.
- Some Payoneer fees for bank transfer payments are not published, so the real cost can be higher.
When Payoneer is still the right choice
- You want to keep the money in US dollars and not change it. An account that holds foreign money may suit you better.
Switching
Move from Payoneer 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
Payoneer alternative in France: questions
Is Playto cheaper than Payoneer in France?
What are the alternatives to Payoneer for a business in France?
How does a business in France get paid from abroad?
How much does Payoneer charge on a $10,000 payment from the United States?
How much does Playto cost?
How do I move from Payoneer to Playto?
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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.