PlaytoFee comparison · Vietnam · 2026
Payoneer vs Stripe in Vietnam: fees on $10,000, side by side
Stripe's own country list does not include Vietnam (stripe.com, checked 22 Oct 2026). On a $10,000 bank transfer payment from a client in the United States to a business in Vietnam, Payoneer takes at least $218.80 in fees. 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. 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
- PayoneerYou receive $9,781.20 at most≥ $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 Vietnam. All fees included. Taxes not included. Stripe's numbers here are its standard published price, for a client in the United States paying a business in Malaysia.
- Difference on $10,000
- ≥ $213.80
- By bank transfer, what reaches you with Playto compared with Payoneer (not all its fees are published, so at least this).
- Payoneer all in
- ≥ $218.80
- Of a $10,000 bank transfer payment.
- 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.
- 1.Payoneer: Card payment fee, up to 3.99% + USD 0.49 (exact rate not published); Payoneer: Withdrawal fee in VND 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
- Fee for receiving USD into a USD receiving account (1%, minimum USD 1.00)1$100.00
- Withdrawal fee in VND 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 Vietnam
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Money rules
If you earn foreign currency from selling goods or services abroad, you must move it into a foreign currency account at a licensed bank in Vietnam. The State Bank of Vietnam can allow some or all of it to stay abroad.
Source: sbv.gov.vn, checked 17 Oct 2026.
Paying through banks
All payments for exports of goods and services must go through bank accounts at licensed banks.
Source: sbv.gov.vn, checked 17 Oct 2026.
Prices inside Vietnam
Inside Vietnam, deals, prices and contracts may not be set in a foreign currency, except in cases the State Bank of Vietnam allows.
Source: sbv.gov.vn, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 25,959 VND (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 Vietnam.
Fees charged
- PayoneerYou 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. 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 Vietnam: questions
Is Playto cheaper than Payoneer and Stripe in Vietnam?
Which costs less, Payoneer or Stripe in Vietnam?
How does a business in Vietnam get paid from abroad?
Does Stripe work in Vietnam?
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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