PlaytoFee comparison · Thailand · 2026
Payoneer vs PayPal in Thailand: 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 Thailand, Payoneer takes at least $51.50 in fees. Some of its fees are not published. PayPal lists no bank transfer option here; by card it takes $727.09. 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
- PayoneerYou receive $9,948.50 at most≥ $51.50
- PayPalNo bank transfer option for this caseNot 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 Thailand. All fees included. Taxes not included.
- Difference on $10,000
- ≥ $46.50
- By bank transfer, what reaches you with Playto compared with Payoneer (not all its fees are published, so at least this).
- Payoneer all in
- ≥ $51.50
- Of a $10,000 bank transfer payment.
- PayPal all in
- Not listed
- No bank transfer option for this case.
- Playto all in
- $5.00
- On a $10,000 bank transfer.
- 1.Payoneer: Card payment fee, up to 3.99% + USD 0.49 (exact rate not published); Payoneer: Conversion fee from USD to THB between Payoneer balances (0.5%); Payoneer: Withdrawal fee in THB to a bank in Thailand (USD 1.50). www.payoneer.com/pricing/, checked 17 Oct 2026.
- 2.Payoneer: Receiving USD by local bank transfer (free for customers in Thailand). www.payoneer.com/en-in/multi-currency-account/, checked 17 Oct 2026.
- 3.PayPal: Payment fee for a client outside Thailand; PayPal: Conversion to THB above PayPal's base rate. www.paypal.com/th/business/paypal-business-fees?locale.x=en_TH, checked 17 Oct 2026.
Where the money goes
$10,000 by bank transfer, line by line
Payoneer
- Receiving USD by local bank transfer (free for customers in Thailand)2Free
- Conversion fee from USD to THB between Payoneer balances (0.5%)1$50.00
- Withdrawal fee in THB to a bank in Thailand (USD 1.50)1$1.50
- Total (at least)$51.50
- You receive (at most)$9,948.50
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 Thailand
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
Since 2016, PromptPay has let people in Thailand send money through digital channels using a citizen ID, a mobile phone number or a bank account number.
Source: www.bot.or.th, checked 17 Oct 2026.
Money rules
If you receive USD 1 million or more from abroad, you must bring it into Thailand within 360 days of the export or deal date. Within 360 days of getting it, you must sell it to an authorised bank or put it in a foreign currency account at one.
Source: www.bot.or.th, checked 17 Oct 2026.
Foreign currency accounts
People and businesses in Thailand may keep foreign currency accounts at authorised banks. They can pay in, with no limit, foreign currency received from abroad, such as income and payments for services.
Source: www.bot.or.th, checked 17 Oct 2026.
Papers for foreign exchange
When you buy, sell, pay in or take out foreign currency at an authorised bank, you must give the bank details of the deal. For USD 200,000 or more, the bank asks for papers that back it up, unless it has already checked your business (Know Your Business).
Source: www.bot.or.th, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 33.58 THB (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 Thailand.
Fees charged
- PayoneerYou receive $9,948.50 at most≥ $51.50
- PayPalNo 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% when it changes the money to THB: $50.00 on $10,000.
- All in, Payoneer takes $51.50 or more (0.5%) 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.
- PayPal lists no bank transfer option for a client in the United States paying a business in Thailand.
- By card, PayPal adds 3% of what is left after earlier fees when it changes the money to THB: $286.79 on $10,000.
- All in, PayPal takes $727.09 (7.3%) of a $10,000 card payment.
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 Thailand: questions
Is Playto cheaper than Payoneer and PayPal in Thailand?
Which costs less, Payoneer or PayPal in Thailand?
How does a business in Thailand 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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Cards cost 2.5% + $0.30. Bank transfers are never more than $5. Your client can pay 30+ ways, from 170+ countries.
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