Fee comparison · 2026

Payoneer vs Razorpay: fees on $10,000, side by side

The cheapest way in the world to get paid internationally.

On a $10,000 card payment from a client in the United States to a business in India, Payoneer takes at least $387.59 in fees. Some of its fees are not published. Razorpay takes at least $300.00. Not all of its fees are published either. Playto takes $250.30 and adds zero markup, so you keep $9,749.70. Cards cost 2.5% + $0.30. Bank transfers are never more than $5.

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Fees on $10,000 by card

  • PayoneerYou receive $9,612.41 at most≥ $387.59
  • RazorpayYou receive $9,700.00 at most≥ $300.00
  • PlaytoYou receive $9,749.70$250.30

The numbers

What lands in your bank

Example payments from a client in the United States to a business in India. All fees included. Taxes not included.

Difference on $10,000
≥ $137.29
By card, what reaches you with Playto compared with Payoneer (not all its fees are published, so at least this).
Payoneer all in
3.9%+
Of a $10,000 card payment.
Razorpay all in
3.0%+
Of a $10,000 card payment.
Playto all in
2.5%
Of a $10,000 card payment.
Client pays by card: what you receive
Provider$1,000$5,000$10,000
Playto$974.70$4,874.70$9,749.70
Payoneer1≤ $960.80≤ $4,805.96≤ $9,612.41
Razorpay3≤ $970.00≤ $4,850.00≤ $9,700.00
Client pays by bank transfer: what you receive
Provider$1,000$5,000$10,000
Playto$995.00$4,995.00$9,995.00
Payoneer1,2≤ $990.00≤ $4,950.00≤ $9,900.00
Razorpay4$989.47$4,950.00$9,900.00
  1. 1.Payoneer: Card payment fee; Payoneer: Withdrawal fee to an Indian bank in INR (1% to 4%; we count the lowest). www.payoneer.com/en-in/about/pricing/, checked 17 Oct 2026.
  2. 2.Payoneer: Receiving a US bank transfer. www.payoneer.com/en-in/multi-currency-account/, checked 17 Oct 2026.
  3. 3.Razorpay: International card platform fee. razorpay.com/accept-international-payments/, checked 17 Oct 2026.
  4. 4.Razorpay: MoneySaver bank transfer fee (INR 1,000 flat below INR 1 lakh, then 1%; INR amounts converted at the ECB rate of 16 Oct 2026). razorpay.com/accept-international-payments/bank-transfers/, checked 17 Oct 2026.

Where the money goes

$10,000 by card, line by line

Payoneer

  • Card payment fee1$290.49
  • Withdrawal fee to an Indian bank in INR (1% to 4% of what is left after earlier fees; we count the lowest)1$97.10
  • Total (at least)$387.59
  • You receive (at most)$9,612.41

Some fees on this route aren't published, so this is the least it can cost.

Razorpay

  • International card platform fee3$300.00
  • Total (at least)$300.00
  • You receive (at most)$9,700.00

Some fees on this route aren't published, so this is the least it can cost.

Playto

  • Card fee$250.30
  • Total$250.30
  • You receive$9,749.70

Prices from playto.so/pricing. Playto adds zero markup.

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 India.

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

Fees charged

  • PayoneerYou receive $9,612.41 at most≥ $387.59
  • RazorpayYou receive $9,700.00 at most≥ $300.00
  • PlaytoYou receive $9,749.70$250.30

Side by side

Payoneer, Razorpay and Playto, in plain numbers

What adds to the cost with Payoneer and Razorpay

  • All in, Payoneer takes $387.59 or more (3.9%) of a $10,000 card payment. Playto takes $250.30.
  • Some Payoneer fees for card payments are not published, so the real cost can be higher.
  • All in, Payoneer takes $100.00 or more (1.0%) 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.
  • All in, Razorpay takes $300.00 or more (3.0%) of a $10,000 card payment.
  • Some Razorpay fees for card payments are not published, so the real cost can be higher.
  • All in, Razorpay takes $100.00 (1.0%) of a $10,000 bank transfer payment.

Switching

Move from Payoneer or Razorpay 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 Razorpay: questions

Is Playto cheaper than Payoneer and Razorpay?
Yes, at every amount from $1,000 to $50,000 we checked, by card and by bank transfer, for a client in the United States paying a business in India. On $10,000 by card, Payoneer takes at least $387.59, Razorpay takes at least $300.00 and Playto takes $250.30. Taxes are not included.
Which costs less, Payoneer or Razorpay?
By card, we can't tell which costs you less at any amount we checked: neither Payoneer nor Razorpay publishes all of its fees. On a $10,000 card payment from a client in the United States to a business in India, Payoneer takes at least $387.59 and Razorpay takes at least $300.00. Playto takes $250.30. Each number comes from the provider's own pricing page.
How much does Payoneer charge on a $10,000 payment from the United States?
By card, Payoneer takes at least $387.59 on $10,000, so at most $9,612.41 reaches a business in India. Its published fees include the $290.49 card payment fee and the $97.10 withdrawal fee to an Indian bank in INR. Some of its fees are not published. These numbers come from Payoneer's own pricing pages, checked 17 Oct 2026.
How much does Razorpay charge on a $10,000 payment from the United States?
By card, Razorpay takes at least $300.00 on $10,000, so at most $9,700.00 reaches a business in India. Its published fees include the $300.00 international card platform fee. Some of its fees are not published. These numbers come from Razorpay'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 Razorpay 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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