PlaytoFee comparison · Pakistan · 2026
Payoneer vs Stripe in Pakistan: fees on $10,000, side by side
Stripe's own country list does not include Pakistan (stripe.com, checked 22 Oct 2026). Payoneer's standard published price, for a client in the United States paying a business in India, comes to at least $387.59 on a $10,000 card payment. Some of its fees are not published. On its standard published price (business in India), Stripe takes $630.00. For a business in Pakistan, Playto takes $250.30 and adds zero markup, so you keep $9,749.70.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by card
- PayoneerStandard published price, another country≥ $387.59
- StripeStandard published price, another country$630.00
- 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 Pakistan. All fees included. Taxes not included. Payoneer's and Stripe's numbers here are their standard published prices, for a client in the United States paying a business in India. We don't have separate Payoneer or Stripe prices for a business in Pakistan on file.
- With Playto you receive
- $9,749.70
- On a $10,000 card payment.
- Payoneer all in
- 3.9%+
- Standard published price, business in India.
- Stripe all in
- 6.3%
- Standard published price, business in India.
- Playto all in
- 2.5%
- Of a $10,000 card payment.
| 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 India | ≤ $960.80 | ≤ $4,805.96 | ≤ $9,612.41 |
| Stripe3Standard published price: client in the United States, business in India | $937.00 | $4,685.00 | $9,370.00 |
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $995.00 | $4,995.00 | $9,995.00 |
| Payoneer1,2Standard published price: client in the United States, business in India | ≤ $990.00 | ≤ $4,950.00 | ≤ $9,900.00 |
| Stripe3Standard published price: client in the United States, business in India | Not listed | Not listed | Not listed |
- 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.Payoneer: Receiving a US bank transfer. www.payoneer.com/en-in/multi-currency-account/, checked 17 Oct 2026.
- 3.Stripe: Fee for an international card charged in USD; Stripe: Currency conversion surcharge (USD to INR). stripe.com/in/pricing, checked 17 Oct 2026.
Where the money goes
$10,000 by card, line by line
Payoneer: standard published price (business in India, paid out in INR)
- 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.
Stripe: standard published price (business in India, paid out in INR)
Playto
- Card fee$250.30
- Total$250.30
- You receive$9,749.70
Prices from playto.so/pricing. Playto adds zero markup.
Getting paid in Pakistan
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Keeping foreign currency
IT companies (registered with PSEB or P@SHA) and freelancers can keep USD 5,000 a month or 50% of their export earnings, whichever is higher, in a special foreign currency account (ESFCA). Banks open it with your rupee account and can change the money into rupees whenever you ask.
Source: www.sbp.org.pk, checked 17 Oct 2026.
Purpose codes
Your bank asks you once what services you sell abroad, then tags your account with a purpose code to report your payments to the State Bank of Pakistan. IT companies and freelancers no longer need to give Form R for these payments.
Source: www.sbp.org.pk, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 276.9 PKR (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 Pakistan.
Fees charged
- Payoneer (standard price)You receive $9,612.41 at most≥ $387.59
- Stripe (standard price)You receive $9,370.00$630.00
- PlaytoYou receive $9,749.70$250.30
Side by side
Payoneer, Stripe and Playto, in plain numbers
What adds to the cost with Payoneer and Stripe
- All in, Payoneer takes $387.59 or more (3.9%) of a $10,000 card payment (standard published price, business in India). 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 (standard published price, business in India). 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 INR (standard published price, business in India): $200.00 on $10,000.
- All in, Stripe takes $630.00 (6.3%) of a $10,000 card 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 Stripe in Pakistan: questions
Is Playto cheaper than Payoneer and Stripe in Pakistan?
Which costs less, Payoneer or Stripe in Pakistan?
How does a business in Pakistan get paid from abroad?
Does Stripe work in Pakistan?
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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