PlaytoPayoneer alternative · Togo · 2026
Payoneer alternative in Togo: fees on $10,000, side by side
Payoneer's standard published price, for a client in the United States paying a business in Kenya, comes to at least $218.80 on a $10,000 bank transfer payment. Some of its fees are not published. For a business in Togo, Playto takes $5.00 and adds zero markup, so you keep $9,995.00. The table also shows Dodo Payments, Paddle and 2Checkout, checked for a business in Togo.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by bank transfer
- PayoneerStandard published price, another country≥ $218.80
- 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 Togo. All fees included. Taxes not included. Payoneer's numbers here are its standard published price, for a client in the United States paying a business in Kenya. We don't have a separate Payoneer price for a business in Togo on file.
- With Playto you receive
- $9,995.00
- On a $10,000 bank transfer.
- Payoneer all in
- ≥ $218.80
- Standard published price, business in Kenya.
- 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 |
| Payoneer1Standard published price: client in the United States, business in Kenya | Fees not published | Fees not published | Fees not published |
| Dodo Payments2 | ≤ $959.60 | ≤ $4,799.60 | ≤ $9,599.60 |
| Paddle3,4 | ≤ $934.50 | ≤ $4,734.50 | ≤ $9,484.50 |
| 2Checkout6,7,8 | ≤ $929.65 | ≤ $4,709.65 | ≤ $9,434.65 |
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $995.00 | $4,995.00 | $9,995.00 |
| Payoneer1Standard published price: client in the United States, business in Kenya | ≤ $978.12 | ≤ $4,890.60 | ≤ $9,781.20 |
| Dodo Payments2 | ≤ $985.00 | ≤ $4,985.00 | ≤ $9,985.00 |
| Paddle4,5 | ≤ $950.00 | ≤ $4,810.00 | ≤ $9,635.00 |
| 2Checkout7,8,9 | ≤ $929.65 | ≤ $4,709.65 | ≤ $9,434.65 |
- 1.Payoneer: Card payment fee, up to 3.99% + USD 0.49 (exact rate not published); Payoneer: Withdrawal fee in KES with currency conversion (1.2% to 4%; we count the lowest); Payoneer: Fee for receiving USD into a USD receiving account (1%, minimum USD 1.00). www.payoneer.com/pricing/, checked 17 Oct 2026.
- 2.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.
- 3.Paddle: Paddle Checkout fee. www.paddle.com/pricing, checked 17 Oct 2026.
- 4.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.
- 5.Paddle: Fee on a Paddle invoice paid by bank transfer. www.paddle.com/legal/terms, checked 17 Oct 2026.
- 6.2Checkout: 2Sell fee per sale. www.2checkout.com/pricing/, checked 17 Oct 2026.
- 7.2Checkout: Cross-border fee (Togo is not exempt). docs.2checkout.com/product-catalog/product-catalog/pricing-and-charge-scenarios/cross-border-payments-fee-charges, checked 17 Oct 2026.
- 8.2Checkout: Wire transfer fee for USD to your bank (one a month). docs.2checkout.com/get-started/getting-started/payouts, checked 17 Oct 2026.
- 9.2Checkout: 2Sell fee per sale (also on wire-paid orders). docs.2checkout.com/payments/payments/payment-methods, checked 17 Oct 2026.
Where the money goes
$10,000 by bank transfer, line by line
Payoneer: standard published price (business in Kenya, paid out in KES)
- Fee for receiving USD into a USD receiving account (1%, minimum USD 1.00)1$100.00
- Withdrawal fee in KES with currency conversion (1.2% to 4% of what is left after earlier fees; we count the lowest)1$118.80
- Total (at least)$218.80
- You receive (at most)$9,781.20
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 Togo
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Currency
CFA franc BCEAO (XOF), shared by the West African Economic and Monetary Union (WAEMU).
Source: www.six-group.com, checked 17 Oct 2026.
Local bank payments
Bank transfers in CFA francs are cleared through SICA-UEMOA, the clearing system of the BCEAO (the regional central bank), for amounts up to 50 million CFA francs. Larger transfers must go through STAR-UEMOA.
Source: www.bceao.int, checked 17 Oct 2026.
Instant payments
Since 30 September 2025, the BCEAO's instant payment system PI-SPI works in all eight WAEMU countries.
Source: www.bceao.int, checked 17 Oct 2026.
Money rules
Under WAEMU Regulation 06/2024, businesses must collect and bring home, through an approved bank in their country, all the money from goods and services they sell abroad. Residents must sell to an approved bank all foreign currency income received from outside WAEMU or paid by a non-resident.
Source: cofeb.bceao.int, checked 17 Oct 2026.
Foreign currency accounts
A resident needs the prior approval of the Minister of Finance, after the BCEAO agrees, to open a foreign currency account at home or an account abroad.
Source: cofeb.bceao.int, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 573.75 XOF (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 Togo.
Fees charged
- Payoneer (standard price)You receive $9,781.20 at most≥ $218.80
- 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.
- All in, Payoneer takes $218.80 or more (2.2%) of a $10,000 bank transfer payment (standard published price, business in Kenya). 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 Togo: questions
Is Playto cheaper than Payoneer in Togo?
What are the alternatives to Payoneer for a business in Togo?
How does a business in Togo 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 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.