PlaytoFee comparison · Spain · 2026
Payoneer vs Stripe in Spain: 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 Spain, Payoneer takes at least $151.00 in fees. Some of its fees are not published. Stripe lists no bank transfer option here; by card it takes $515.28. 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.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by bank transfer
- PayoneerYou receive $9,849.00 at most≥ $151.00
- 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 Spain. All fees included. Taxes not included.
- Difference on $10,000
- ≥ $146.00
- By bank transfer, what reaches you with Playto compared with Payoneer (not all its fees are published, so at least this).
- Payoneer all in
- ≥ $151.00
- 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.
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $995.00 | $4,995.00 | $9,995.00 |
| Payoneer1 | ≤ $983.55 | ≤ $4,923.75 | ≤ $9,849.00 |
| Stripe | Not listed | Not listed | Not listed |
- 1.Payoneer: Card payment fee, up to 3.99% + USD 0.49 (exact rate not published); Payoneer: Conversion fee from USD to EUR between Payoneer balances (0.5%); Payoneer: Withdrawal fee in EUR to a bank in Spain (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.Stripe: International card fee (3.15%); Stripe: Fixed fee (EUR 0.25, converted at the ECB rate of 16 Oct 2026); Stripe: Currency conversion surcharge (USD to EUR). stripe.com/en-es/pricing, 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
- Conversion fee from USD to EUR between Payoneer balances (0.5% of what is left after earlier fees)1$49.50
- Withdrawal fee in EUR to a bank in Spain (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.
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 Spain
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
In Spain, everyday payments such as normal and instant SEPA transfers go through the SNCE, run by Iberpay and overseen by the Banco de España. Instant SEPA transfers settle one by one.
Source: www.bde.es, checked 17 Oct 2026.
Money rules
EU law bans limits on payments between EU countries, and between EU countries and the rest of the world.
Source: eur-lex.europa.eu, checked 17 Oct 2026.
Reporting to the Banco de España
Under Circular 4/2012, the Banco de España collects reports from residents of Spain on their economic transactions with other countries and their foreign financial assets and debts. The reports are monthly, quarterly or yearly and use the ETE form.
Source: sedeelectronica.bde.es, checked 17 Oct 2026.
Payment apps and cards
Bizum is a mobile payment service backed by Spain's main banks. People use it to send money from a mobile phone and to pay online shops by entering a phone number, and Bizum lists 31,500,000 active users and 120,000 online shops.
Source: bizum.com, checked 22 Oct 2026.
Everyday payments
In the second half of 2025, cards were used for 65.9% of payments in Spain made without cash, and bank transfers for 15.8%. But transfers carried 87.9% of the money, because bigger payments are usually made by transfer.
Source: www.bde.es, checked 22 Oct 2026.
Exchange rate, for scale
1 USD = 0.881 EUR (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 Spain.
Fees charged
- PayoneerYou receive $9,849.00 at most≥ $151.00
- 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% of what is left after earlier fees when it changes the money to EUR: $49.50 on $10,000.
- All in, Payoneer takes $151.00 or more (1.5%) 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 Spain.
- By card, Stripe adds 2% when it changes the money to EUR: $200.00 on $10,000.
- All in, Stripe takes $515.28 (5.2%) of a $10,000 card payment.
Switching
Move from Payoneer or Stripe 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 Spain: questions
Is Playto cheaper than Payoneer and Stripe in Spain?
Which costs less, Payoneer or Stripe in Spain?
How does a business in Spain get paid from abroad?
Does Stripe work in Spain?
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 or Stripe to Playto?
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Get paid by clients abroad with zero markup
Cards cost 2.5% + $0.30. Bank transfers are never more than $5. Your client can pay 30+ ways, from 170+ countries.
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