Fee comparison · Lesotho · 2026

Payoneer vs PayPal in Lesotho: 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. PayPal's standard published price (business in South Africa) lists no bank transfer option; by card it takes at least $440.30. Not all of its fees are published either. For a business in Lesotho, 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.

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Fees on $10,000 by bank transfer

  • PayoneerStandard published price, another country≥ $218.80
  • 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 Lesotho. 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 Lesotho on file. PayPal's numbers here are its standard published price, for a client in the United States paying a business in South Africa.

With Playto you receive
$9,995.00
On a $10,000 bank transfer.
Payoneer all in
≥ $218.80
Standard published price, business in Kenya.
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.
Client pays by card: what you receive
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 KenyaFees not publishedFees not publishedFees not published
PayPal2,3,4Standard published price: client in the United States, business in South Africa≤ $955.70≤ $4,779.70≤ $9,559.70
Client pays by bank transfer: what you receive
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
PayPal2,3,4Standard published price: client in the United States, business in South AfricaNot listedNot listedNot listed
  1. 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. 2.PayPal: Payment fee for a client outside South Africa. www.paypal.com/za/business/paypal-business-fees, checked 17 Oct 2026.
  3. 3.PayPal: Conversion to ZAR by PayPal's local partner (not published). www.paypal.com/ng/cshelp/article/what-is-the-third-party-partner-service--help1010, checked 17 Oct 2026.
  4. 4.PayPal: FNB withdrawal fee (not published). www.paypal.com/za/legalhub/paypal/useragreement-full, 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 Lesotho

The basics, with sources

Public facts from official sources, each with its date. Not advice: check with your bank.

Currency

Lesotho loti (LSL). The ISO list also shows the South African rand (ZAR) as a currency of Lesotho.

Source: www.six-group.com, checked 17 Oct 2026.

Tied to the rand

The Central Bank of Lesotho keeps the loti pegged to the South African rand, and it holds enough foreign currency reserves for every loti issued.

Source: centralbank.org.ls, checked 17 Oct 2026.

Local bank payments

The Central Bank of Lesotho owns and runs Lesotho Wire, a system for large payments in maloti (M100,000 or more) and for urgent smaller ones. Other payments under M100,000 go through the Automated Clearing House run by the Payment Association of Lesotho.

Source: centralbank.org.ls, checked 17 Oct 2026.

Money rules

Lesotho has exchange control laws. The Central Bank of Lesotho oversees the banks allowed to deal in foreign currency (Authorized Dealers) and makes sure these laws are followed.

Source: centralbank.org.ls, checked 17 Oct 2026.

Exchange rate, for scale

1 USD = 16.393 LSL (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 Lesotho.

$10,000
$1,000$50,000

Fees charged

  • Payoneer (standard price)You receive $9,781.20 at most≥ $218.80
  • 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.
  • 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.
  • All in, PayPal takes $440.30 or more (4.4%) of a $10,000 card payment (standard published price, business in South Africa).
  • Some PayPal fees for card payments are not published, so the real cost can be higher.

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. 1

    Request an invite

    Tell us about your business. Playto checks every business before it gets in.

  2. 2

    Send a payment link

    Share a link or an invoice. Your client can pay 30+ ways, from 170+ countries.

  3. 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 Lesotho: questions

Is Playto cheaper than Payoneer and PayPal in Lesotho?
We can't say Playto is cheaper here. We checked Payoneer's standard published price for a business in Kenya and PayPal's for a business in South Africa, not for Lesotho. On those prices, Payoneer takes at least $218.80 on $10,000 by bank transfer and PayPal takes at least $440.30 on $10,000 by card. On $10,000, Playto takes $5.00 by bank transfer and $250.30 by card. Taxes are not included.
Which costs less, Payoneer or PayPal in Lesotho?
We can't say which costs less here: Payoneer's number is its standard published price for a business in Kenya and PayPal's number is its standard published price for a business in South Africa, which lists no bank transfer option. Playto takes $5.00 on $10,000 by bank transfer.
How does a business in Lesotho get paid from abroad?
Send your client a payment link or an invoice. Your client can pay 30+ ways, from 170+ countries. They pick a card, a wallet or a bank transfer (ACH, SEPA, UK and wires).
How much does Payoneer charge on a $10,000 payment from the United States?
By bank transfer, Payoneer takes at least $218.80 on $10,000, so at most $9,781.20 reaches a business in Kenya. Its published fees include the $118.80 withdrawal fee in KES with currency conversion and the $100.00 fee for receiving USD into a USD receiving account. Some of its fees are not published. This is its standard published price. These numbers come from Payoneer's own pricing pages, checked 17 Oct 2026.
How much does PayPal charge on a $10,000 payment from the United States?
By card, PayPal takes at least $440.30 on $10,000, so at most $9,559.70 reaches a business in South Africa. Its published fees include the $440.30 payment fee for a client outside South Africa. Some of its fees are not published. Every fee is listed on this page, with its source. This is its standard published price. These numbers come from PayPal's own pricing pages, checked 17 Oct 2026.
How much does Playto cost?
Cards and wallets cost 2.5% + $0.30, the same for every card. Bank transfers are never more than $5. Playto adds zero markup. There are no monthly fees and no setup fees. Payments between Playto users are free.
How does Playto make money?
Playto makes no profit on payment processing. 2.5% + $0.30 is what the card networks and banks charge us. Playto adds no markup. We earn from optional extra services you can choose. We keep lowering prices as we grow and get better costs.
How do I move from Payoneer or PayPal to Playto?
Request an invite and tell us about your business. Playto checks every business before it gets in. Then send your client a payment link or an invoice.

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