PlaytoFee comparison · Moldova · 2026
Payoneer vs Razorpay in Moldova: fees on $10,000, side by side
Razorpay's own country list does not include Moldova (razorpay.com, checked 22 Oct 2026). Payoneer's standard published price, for a client in the United States paying a business in Poland, comes to at least $151.00 on a $10,000 bank transfer payment. Some of its fees are not published. On its standard published price (business in India), Razorpay takes $100.00. For a business in Moldova, Playto takes $5.00 and adds zero markup, so you keep $9,995.00.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by bank transfer
- PayoneerStandard published price, another country≥ $151.00
- 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 Moldova. 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 Poland. We don't have a separate Payoneer price for a business in Moldova on file. Razorpay's numbers here are its standard published price, for a client in the United States paying a business in India.
- With Playto you receive
- $9,995.00
- On a $10,000 bank transfer.
- Payoneer all in
- ≥ $151.00
- Standard published price, business in Poland.
- Razorpay all in
- $100.00
- Standard published price, business in India.
- 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 Poland | 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 |
| 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 Poland | ≤ $983.55 | ≤ $4,923.75 | ≤ $9,849.00 |
| 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: Conversion fee from USD to PLN between Payoneer balances (0.5%); Payoneer: Withdrawal fee in PLN to a bank in Poland (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.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: standard published price (business in Poland, paid out in PLN)
- Fee for receiving USD into a USD receiving account (1%, minimum USD 1.00)1$100.00
- Conversion fee from USD to PLN between Payoneer balances (0.5% of what is left after earlier fees)1$49.50
- Withdrawal fee in PLN to a bank in Poland (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.
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 Moldova
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
Payments in lei between banks go through AIPS, the Automated Interbank Payment System managed and run by the National Bank of Moldova. It has an RTGS system and a system that settles at set times (DNS).
Source: www.bnm.md, checked 17 Oct 2026.
Money rules
Moldova's Law on Foreign Exchange Regulation says payments for current operations, which include trade in goods and services with people abroad, are received and made without restrictions.
Source: www.bnm.md, checked 17 Oct 2026.
Paperwork
The same law lets the National Bank of Moldova set rules for these payments, including asking for supporting documents when you receive or make them.
Source: www.bnm.md, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 17.61 MDL (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 Moldova.
Fees charged
- Payoneer (standard price)You receive $9,849.00 at most≥ $151.00
- 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.
- By bank transfer, Payoneer adds 0.5% of what is left after earlier fees when it changes the money to PLN (standard published price, business in Poland): $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 Poland). 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 Moldova: questions
Is Playto cheaper than Payoneer and Razorpay in Moldova?
Which costs less, Payoneer or Razorpay in Moldova?
How does a business in Moldova get paid from abroad?
Does Razorpay work in Moldova?
How much does Payoneer charge on a $10,000 payment from the United States?
How much does Razorpay 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 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.
No monthly fees. No setup fees. Lowest price guarantee.