PlaytoPayoneer alternative · Malta · 2026
Payoneer alternative in Malta: 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 Malta, 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, Dodo Payments and Lemon Squeezy.
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 Malta. 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.
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $974.70 | $4,874.70 | $9,749.70 |
| Payoneer1 | Fees not published | Fees not published | Fees not published |
| Stripe2 | $948.22 | $4,742.22 | $9,484.72 |
| PayPal3 | $917.43 | $4,588.29 | $9,176.88 |
| Dodo Payments4 | ≤ $959.60 | ≤ $4,799.60 | ≤ $9,599.60 |
| Lemon Squeezy5,6 | $940.00 | $4,702.00 | $9,404.50 |
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $995.00 | $4,995.00 | $9,995.00 |
| Payoneer1 | ≤ $983.55 | ≤ $4,923.75 | ≤ $9,849.00 |
| Stripe | Not listed | Not listed | Not listed |
| PayPal | Not listed | Not listed | Not listed |
| Dodo Payments4 | ≤ $985.00 | ≤ $4,985.00 | ≤ $9,985.00 |
| Lemon Squeezy6 | $940.00 | $4,702.00 | $9,404.50 |
- 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 Malta (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/mt/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/mt/business/paypal-business-fees, checked 17 Oct 2026.
- 4.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.
- 5.Lemon Squeezy: Platform fee. www.lemonsqueezy.com/pricing, checked 17 Oct 2026.
- 6.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
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 Malta (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 Malta
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
Instant payments in euro can settle through TIPS, the Eurosystem's platform. Payment providers open their TIPS account with their national central bank.
Source: www.ecb.europa.eu, 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
A European Central Bank survey found that in 2024, cash was used for 67% of payments in shops and other points of sale in Malta. That was the highest share among the 20 euro area countries in the survey.
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 Malta.
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 Malta: questions
Is Playto cheaper than Payoneer in Malta?
What are the alternatives to Payoneer for a business in Malta?
How does a business in Malta 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?
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.