PlaytoFee comparison · Guatemala · 2026
Payoneer vs PayPal in Guatemala: fees on $10,000, side by side
Payoneer's standard published price, for a client in the United States paying a business in Mexico, comes to at least $151.00 on a $10,000 bank transfer payment. Some of its fees are not published. PayPal's standard published price (business in Mexico) lists no bank transfer option; by card it takes $779.71. For a business in Guatemala, Playto takes $5.00 and adds zero markup, so you keep $9,995.00. Cards cost 2.5% + $0.30. Bank transfers are never more than $5.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by bank transfer
- PayoneerStandard published price, another country≥ $151.00
- PayPalIts standard published price lists no bank transfer optionNot listed
- 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 Guatemala. All fees included. Taxes not included. Payoneer's and PayPal's numbers here are their standard published prices, for a client in the United States paying a business in Mexico. We don't have separate Payoneer or PayPal prices for a business in Guatemala on file.
- With Playto you receive
- $9,995.00
- On a $10,000 bank transfer.
- Payoneer all in
- ≥ $151.00
- Standard published price, business in Mexico.
- PayPal all in
- Not listed
- Its standard published price lists no bank transfer option.
- Playto all in
- $5.00
- On a $10,000 bank transfer.
| 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 Mexico | Fees not published | Fees not published | Fees not published |
| PayPal2Standard published price: client in the United States, business in Mexico | $921.77 | $4,610.00 | $9,220.29 |
| 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 Mexico | ≤ $983.55 | ≤ $4,923.75 | ≤ $9,849.00 |
| PayPal2Standard published price: client in the United States, business in Mexico | Not listed | Not listed | Not listed |
- 1.Payoneer: Card payment fee, up to 3.99% + USD 0.49 (exact rate not published); Payoneer: Conversion fee from USD to MXN between Payoneer balances (0.5%); Payoneer: Withdrawal fee in MXN to a bank in Mexico (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.PayPal: Payment fee (PayPal standard rate); PayPal: Extra fee for a client outside Mexico; PayPal: Conversion to MXN above PayPal's base rate. www.paypal.com/mx/business/paypal-business-fees?locale.x=en_MX, checked 17 Oct 2026.
Where the money goes
$10,000 by bank transfer, line by line
Payoneer: standard published price (business in Mexico, paid out in MXN)
- Fee for receiving USD into a USD receiving account (1%, minimum USD 1.00)1$100.00
- Conversion fee from USD to MXN between Payoneer balances (0.5% of what is left after earlier fees)1$49.50
- Withdrawal fee in MXN to a bank in Mexico (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 Guatemala
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
Electronic transfers between banks in Guatemala, in quetzales or US dollars, go through the Automated Clearing House (CCA), which the Banco de Guatemala settles.
Source: banguat.gob.gt, checked 17 Oct 2026.
Money rules
Guatemala's Free Foreign Exchange Law (Decree 94-2000) says people and businesses are free to hold, send, receive, buy, sell and pay in foreign currency. Holding foreign currency deposits and accounts, in Guatemala or abroad, is also free.
Source: banguat.gob.gt, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 7.635 GTQ (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 Guatemala.
Fees charged
- Payoneer (standard price)You receive $9,849.00 at most≥ $151.00
- PayPal (standard price)No bank transfers listed
- PlaytoYou receive $9,995.00$5.00
Side by side
Payoneer, PayPal and Playto, in plain numbers
What adds to the cost with Payoneer and PayPal
- 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 MXN (standard published price, business in Mexico): $49.50 on $10,000.
- All in, Payoneer takes $151.00 or more (1.5%) of a $10,000 bank transfer payment (standard published price, business in Mexico). Playto takes $5.00.
- Some Payoneer fees for bank transfer payments are not published, so the real cost can be higher.
- By card, PayPal adds 3.5% of what is left after earlier fees when it changes the money to MXN (standard published price, business in Mexico): $334.41 on $10,000.
- All in, PayPal takes $779.71 (7.8%) of a $10,000 card payment (standard published price, business in Mexico).
When Payoneer or PayPal 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 or PayPal 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 vs PayPal in Guatemala: questions
Is Playto cheaper than Payoneer and PayPal in Guatemala?
Which costs less, Payoneer or PayPal in Guatemala?
How does a business in Guatemala get paid from abroad?
How much does Payoneer charge on a $10,000 payment from the United States?
How much does PayPal charge on a $10,000 payment from the United States?
How much does Playto cost?
How does Playto make money?
How do I move from Payoneer or PayPal to Playto?
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