PlaytoPayoneer alternative · Vietnam · 2026
Payoneer alternative in Vietnam: 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 Vietnam, Payoneer takes at least $218.80 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 Dodo Payments, Lemon Squeezy, Paddle and Airwallex.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by bank transfer
- PayoneerYou receive $9,781.20 at most≥ $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 Vietnam. All fees included. Taxes not included.
- Difference on $10,000
- ≥ $213.80
- By bank transfer, what reaches you with Playto compared with Payoneer (not all its fees are published, so at least this).
- Payoneer all in
- ≥ $218.80
- 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 |
| Dodo Payments2 | ≤ $959.60 | ≤ $4,799.60 | ≤ $9,599.60 |
| Lemon Squeezy3,4 | $940.00 | $4,702.00 | $9,404.50 |
| Paddle5,6 | ≤ $934.50 | ≤ $4,734.50 | ≤ $9,484.50 |
| Airwallex8,9 | ≤ $951.79 | ≤ $4,760.16 | ≤ $9,520.62 |
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $995.00 | $4,995.00 | $9,995.00 |
| Payoneer1 | ≤ $978.12 | ≤ $4,890.60 | ≤ $9,781.20 |
| Dodo Payments2 | ≤ $985.00 | ≤ $4,985.00 | ≤ $9,985.00 |
| Lemon Squeezy4 | $940.00 | $4,702.00 | $9,404.50 |
| Paddle6,7 | ≤ $950.00 | ≤ $4,810.00 | ≤ $9,635.00 |
| Airwallex8,9 | Fees not published | Fees not published | Fees not published |
- 1.Payoneer: Card payment fee, up to 3.99% + USD 0.49 (exact rate not published); Payoneer: Withdrawal fee in VND 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.Lemon Squeezy: Platform fee. www.lemonsqueezy.com/pricing, checked 17 Oct 2026.
- 4.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.
- 5.Paddle: Paddle Checkout fee. www.paddle.com/pricing, checked 17 Oct 2026.
- 6.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.
- 7.Paddle: Fee on a Paddle invoice paid by bank transfer. www.paddle.com/legal/terms, checked 17 Oct 2026.
- 8.Airwallex: International card fee; Airwallex: Gateway fee (HKD 2.35, converted at the ECB rate of 16 Oct 2026); Airwallex: Foreign currency settlement fee (USD payment settled in USD). www.airwallex.com/en-hk/terms/fee-schedule, checked 17 Oct 2026.
- 9.Airwallex: Exchange margin from USD to VND (from 0.2% above interbank); Airwallex: Local transfer in VND to your bank (free); Airwallex: Receiving USD into a USD Global Account (not published). www.airwallex.com/en-hk/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
- Withdrawal fee in VND 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 Vietnam
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Money rules
If you earn foreign currency from selling goods or services abroad, you must move it into a foreign currency account at a licensed bank in Vietnam. The State Bank of Vietnam can allow some or all of it to stay abroad.
Source: sbv.gov.vn, checked 17 Oct 2026.
Paying through banks
All payments for exports of goods and services must go through bank accounts at licensed banks.
Source: sbv.gov.vn, checked 17 Oct 2026.
Prices inside Vietnam
Inside Vietnam, deals, prices and contracts may not be set in a foreign currency, except in cases the State Bank of Vietnam allows.
Source: sbv.gov.vn, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 25,959 VND (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 Vietnam.
Fees charged
- PayoneerYou 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. 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 Vietnam: questions
Is Playto cheaper than Payoneer in Vietnam?
What are the alternatives to Payoneer for a business in Vietnam?
How does a business in Vietnam 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.