Fee comparison · Kenya · 2026

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

Razorpay's own country list does not include Kenya (razorpay.com, checked 22 Oct 2026). On a $10,000 bank transfer payment from a client in the United States to a business in Kenya, Payoneer takes at least $218.80 in fees. Some of its fees are not published. On its standard published price (business in India), Razorpay takes $100.00. Playto takes $5.00 and adds zero markup, so you keep $9,995.00.

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Fees on $10,000 by bank transfer

PayoneerYou receive $9,781.20 at most≥ $218.80
RazorpayStandard published price, another country$100.00
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 Kenya. All fees included. Taxes not included. Razorpay's numbers here are its standard published price, for a client in the United States paying a business in India.

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.
Razorpay all in: $100.00; Standard published price, business in India.
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
Payoneer¹	Fees not published	Fees not published	Fees not published
Razorpay²Standard published price: client in the United States, business in India	≤ $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	≤ $978.12	≤ $4,890.60	≤ $9,781.20
Razorpay³Standard published price: client in the United States, business in India	$989.47	$4,950.00	$9,900.00

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.Razorpay: International card platform fee. razorpay.com/accept-international-payments/, checked 17 Oct 2026.
3.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 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 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.

Razorpay: standard published price (business in India, paid out in INR)

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)³$100.00
Total$100.00
You receive$9,900.00

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 Kenya

The basics, with sources

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

Currency

Kenyan shilling (KES).

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

Local bank payments

In Kenya, electronic fund transfers and cheques clear through the Nairobi Automated Clearing House. Large payments go through KEPSS, a system owned and run by the Central Bank of Kenya.

Source: www.centralbank.go.ke, checked 17 Oct 2026.

Money rules

Kenya repealed its Exchange Control Act from 27 December 1995. People in Kenya, and people from abroad, may bill in shillings or a foreign currency and may hold foreign currency.

Source: www.centralbank.go.ke, checked 17 Oct 2026.

Exchange rate

Kenya has a free-floating exchange rate. There is no set rate, so supply and demand decide the shilling's value.

Source: www.centralbank.go.ke, checked 17 Oct 2026.

Papers for large payments

For any foreign exchange deal above USD 10,000, your bank must get and keep papers that back it up. With online banking, a signed declaration can be used instead, but you must show the papers if the bank asks.

Source: www.centralbank.go.ke, checked 17 Oct 2026.

Exchange rate, for scale

1 USD = 129.53 KES (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 Kenya.

Your client pays$10,000

$1,000$50,000

Fees charged

PayoneerYou receive $9,781.20 at most≥ $218.80
Razorpay (standard price)You receive $9,900.00$100.00
PlaytoYou receive $9,995.00$5.00

Side by side

Payoneer, Razorpay and Playto, in plain numbers

What adds to the cost with Payoneer and Razorpay

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.
All in, Razorpay takes $300.00 or more (3.0%) of a $10,000 card payment (standard published price, business in India).
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 (standard published price, business in India).

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 vs Razorpay in Kenya: questions

Is Playto cheaper than Payoneer and Razorpay in Kenya?

Playto costs less than Payoneer at every amount from $1,000 to $50,000 we checked, by bank transfer, for a client in the United States paying a business in Kenya. We can't compare Payoneer by card: it doesn't publish its card fee for this case. We can't compare Razorpay: its number is its standard published price for a business in India. Taxes are not included.

Which costs less, Payoneer or Razorpay in Kenya?

We can't say which costs less here: Razorpay's number is its standard published price for a business in India. Playto takes $5.00 on $10,000 by bank transfer.

How does a business in Kenya 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).

Does Razorpay work in Kenya?

Razorpay's own country list does not include Kenya (razorpay.com, checked 22 Oct 2026).

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. 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 bank transfer, Razorpay takes $100.00 on $10,000, so $9,900.00 reaches a business in India. That is its MoneySaver bank transfer fee. This is its standard published price. 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 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.

Keep comparing

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

Payoneer

Razorpay: standard published price (business in India, paid out in INR)

Playto

Currency

Local bank payments

Money rules

Exchange rate

Papers for large payments

Exchange rate, for scale

What adds to the cost with Payoneer and Razorpay

When Payoneer is still the right choice

Request an invite

Send a payment link

Get paid