PlaytoFee comparison · Laos · 2026
Payoneer vs Stripe in Laos: fees on $10,000, side by side
Stripe's own country list does not include Laos (stripe.com, checked 22 Oct 2026). Payoneer's standard published price, for a client in the United States paying a business in the Philippines, comes to at least $218.80 on a $10,000 bank transfer payment. Some of its fees are not published. Stripe's standard published price (business in Malaysia) lists no bank transfer option; by card it takes $600.25. For a business in Laos, 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≥ $218.80
- StripeIts standard published price lists no bank transfer optionNot 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 Laos. 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 the Philippines. We don't have a separate Payoneer price for a business in Laos on file. Stripe's numbers here are its standard published price, for a client in the United States paying a business in Malaysia.
- With Playto you receive
- $9,995.00
- On a $10,000 bank transfer.
- Payoneer all in
- ≥ $218.80
- Standard published price, business in the Philippines.
- Stripe all in
- Not listed
- Its standard published price lists no bank transfer option.
- 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 the Philippines | Fees not published | Fees not published | Fees not published |
| Stripe2Standard published price: client in the United States, business in Malaysia | $939.75 | $4,699.75 | $9,399.75 |
| 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 the Philippines | ≤ $978.12 | ≤ $4,890.60 | ≤ $9,781.20 |
| Stripe2Standard published price: client in the United States, business in Malaysia | Not listed | Not listed | Not listed |
- 1.Payoneer: Card payment fee, up to 3.99% + USD 0.49 (exact rate not published); Payoneer: Withdrawal fee in PHP 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.Stripe: Card fee (3.0%); Stripe: Fixed fee (MYR 1.00, converted at the ECB rate of 16 Oct 2026); Stripe: Fee for a card issued outside the country; Stripe: Currency conversion surcharge (USD to MYR). stripe.com/my/pricing, checked 17 Oct 2026.
Where the money goes
$10,000 by bank transfer, line by line
Payoneer: standard published price (business in the Philippines, paid out in PHP)
- Fee for receiving USD into a USD receiving account (1%, minimum USD 1.00)1$100.00
- Withdrawal fee in PHP 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.
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 Laos
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Money rules
The Law on Foreign Exchange Management of Laos (amended in 2022) says exporters of goods and services must bring their export earnings back to Laos. The money must come in through their special international payment account at a commercial bank in Laos.
Source: www.bol.gov.la, checked 17 Oct 2026.
Paperwork
Under the same law, people and businesses in Laos who import or export goods or services must open a special bank account for international payments at a commercial bank in Laos. Services include education, health, transport, telecoms and other services.
Source: www.bol.gov.la, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 22,336 LAK (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 Laos.
Fees charged
- Payoneer (standard price)You receive $9,781.20 at most≥ $218.80
- Stripe (standard price)No 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.
- All in, Payoneer takes $218.80 or more (2.2%) of a $10,000 bank transfer payment (standard published price, business in the Philippines). Playto takes $5.00.
- Some Payoneer fees for bank transfer payments are not published, so the real cost can be higher.
- By card, Stripe adds 2% when it changes the money to MYR (standard published price, business in Malaysia): $200.00 on $10,000.
- All in, Stripe takes $600.25 (6.0%) of a $10,000 card payment (standard published price, business in Malaysia).
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 Stripe in Laos: questions
Is Playto cheaper than Payoneer and Stripe in Laos?
Which costs less, Payoneer or Stripe in Laos?
How does a business in Laos get paid from abroad?
Does Stripe work in Laos?
How much does Payoneer charge on a $10,000 payment from the United States?
How much does Stripe 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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