Fee comparison · Japan · 2026

Payoneer vs Stripe in Japan: 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 Japan, Payoneer takes at least $51.50 in fees. Some of its fees are not published. Stripe lists no bank transfer option here; by card it takes $560.00. 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

  • PayoneerYou receive $9,948.50 at most≥ $51.50
  • StripeNo 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 Japan. 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.
Stripe all in
Not listed
No bank transfer option for this case.
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
Payoneer1,2Fees not publishedFees not publishedFees not published
Stripe3$944.00$4,720.00$9,440.00
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≤ $993.50≤ $4,973.50≤ $9,948.50
StripeNot listedNot listedNot listed
  1. 1.Payoneer: Card payment fee, up to 3.99% + USD 0.49 (exact rate not published); Payoneer: Conversion fee from USD to JPY between Payoneer balances (0.5%); Payoneer: Withdrawal fee in JPY to a bank in Japan (USD 1.50). www.payoneer.com/pricing/, checked 17 Oct 2026.
  2. 2.Payoneer: Receiving USD by local bank transfer (free for customers in Japan). www.payoneer.com/en-in/multi-currency-account/, checked 17 Oct 2026.
  3. 3.Stripe: Card fee (3.6%); Stripe: Currency conversion surcharge (USD to JPY). stripe.com/en-jp/pricing, 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 Japan)2Free
  • Conversion fee from USD to JPY between Payoneer balances (0.5%)1$50.00
  • Withdrawal fee in JPY to a bank in Japan (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 Japan

The basics, with sources

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

Currency

Japanese yen (JPY).

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

Local bank payments

Bank transfers inside Japan go through the Zengin System, the nationwide online network for domestic retail funds transfers. Large-value Zengin payments have settled on the Bank of Japan's BOJ-NET since 2011.

Source: www.boj.or.jp, checked 17 Oct 2026.

Reporting

Under Japan's Foreign Exchange and Foreign Trade Act, a resident who gets a payment of more than 30 million yen from abroad through a bank may need to file a report on it. A paper report goes to that bank within 10 days, or an online report goes to the Bank of Japan within 20 days.

Source: www.boj.or.jp, checked 17 Oct 2026.

Exchange rate, for scale

1 USD = 157.09 JPY (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 Japan.

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

Fees charged

  • PayoneerYou receive $9,948.50 at most≥ $51.50
  • StripeNo bank transfers listed
  • PlaytoYou receive $9,995.00$5.00

Side by side

Payoneer, Stripe and Playto, in plain numbers

What adds to the cost with Payoneer and Stripe

  • Payoneer doesn't publish its card fees for this case.
  • By bank transfer, Payoneer adds 0.5% when it changes the money to JPY: $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.
  • Stripe lists no bank transfer option for a client in the United States paying a business in Japan.
  • By card, Stripe adds 2% when it changes the money to JPY: $200.00 on $10,000.
  • All in, Stripe takes $560.00 (5.6%) of a $10,000 card payment.

Switching

Move from Payoneer or Stripe 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 Stripe in Japan: questions

Is Playto cheaper than Payoneer and Stripe in Japan?
Playto costs less than Payoneer (by bank transfer) and Stripe (by card) at every amount from $1,000 to $50,000 we checked, for a client in the United States paying a business in Japan. We can't compare Payoneer by card: it doesn't publish its card fee for this case. Taxes are not included.
Which costs less, Payoneer or Stripe in Japan?
We can't say which costs less here: Payoneer doesn't publish its card fee and Stripe lists no bank transfer option for this case, so no way to pay has published fees from both. Playto takes $5.00 on $10,000 by bank transfer and $250.30 by card.
How does a business in Japan 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 Stripe work in Japan?
Stripe's own country list includes Japan (stripe.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 $51.50 on $10,000, so at most $9,948.50 reaches a business in Japan. Its published fees include the $50.00 conversion fee from USD to JPY between Payoneer balances and the $1.50 withdrawal fee in JPY to a bank in Japan. Some of its fees are not published. Every fee is listed on this page, with its source. These numbers come from Payoneer's own pricing pages, checked 17 Oct 2026.
How much does Stripe charge on a $10,000 payment from the United States?
By card, Stripe takes $560.00 on $10,000, so $9,440.00 reaches a business in Japan. Its fees are the $360.00 card fee (3.6%) and the $200.00 currency conversion surcharge. These numbers come from Stripe'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 Stripe 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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