PlaytoFee comparison · Cambodia · 2026
Payoneer vs Wise Business in Cambodia: fees on $10,000, side by side
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. On its standard published price (business in the United Kingdom), Wise Business takes at least $24.00. Not all of its fees are published either. For a business in Cambodia, 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
- PayoneerStandard published price, another country≥ $218.80
- Wise BusinessStandard published price, another country≥ $24.00
- 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 Cambodia. 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 Cambodia on file. Wise Business' numbers here are its standard published price, for a client in the United States paying a business in the United Kingdom.
- 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.
- Wise Business all in
- ≥ $24.00
- Standard published price, business in the United Kingdom.
- Playto all in
- $5.00
- On a $10,000 bank transfer.
Client pays by card
On its standard published price (business in the Philippines), Payoneer doesn't publish its card fee.1 Wise Business' standard published price (business in the United Kingdom) lists no card option.2 With Playto, cards cost 2.5% + $0.30.
| 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 |
| Wise Business2Standard published price: client in the United States, business in the United Kingdom | ≤ $997.60 | ≤ $4,988.00 | ≤ $9,976.00 |
- 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.Wise Business: Receiving USD from a US client by ACH into your Wise USD account details (free); Wise Business: Wise conversion fee from USD to GBP (varies by currency, from 0.24%); Wise Business: Keeping the GBP in your Wise Business account, which has UK account details (free). wise.com/gb/pricing/business, checked 18 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.
Wise Business: standard published price (business in the United Kingdom, paid out in GBP)
- Receiving USD from a US client by ACH into your Wise USD account details2Free
- Wise conversion fee from USD to GBP (varies by currency, from 0.24%)2$24.00
- Keeping the GBP in your Wise Business account, which has UK account details2Free
- Total (at least)$24.00
- You receive (at most)$9,976.00
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 Cambodia
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
The National Bank of Cambodia launched FAST in 2016 for electronic transfers in riel from an account at one bank to an account at another.
Source: bakong.nbc.gov.kh, checked 17 Oct 2026.
Money rules
Cambodia's 1997 Law on Foreign Exchange says there is no restriction on foreign exchange operations made through authorized banks. People living in Cambodia may hold foreign currency freely.
Source: cdc.gov.kh, checked 17 Oct 2026.
Reporting
Authorized banks must report to the National Bank of Cambodia the amount of each transfer of USD 10,000 or more.
Source: cdc.gov.kh, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 4,051 KHR (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 Cambodia.
Fees charged
- Payoneer (standard price)You receive $9,781.20 at most≥ $218.80
- Wise Business (standard price)You receive $9,976.00 at most≥ $24.00
- PlaytoYou receive $9,995.00$5.00
Side by side
Payoneer, Wise Business and Playto, in plain numbers
What adds to the cost with Payoneer and Wise Business
- 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 bank transfer, Wise Business adds from 0.24% when it changes the money to GBP (standard published price, business in the United Kingdom): at least $24.00 on $10,000.
- All in, Wise Business takes $24.00 or more (0.2%) of a $10,000 bank transfer payment (standard published price, business in the United Kingdom).
- Some Wise Business fees for bank transfer payments are not published, so the real cost can be higher.
When Payoneer or Wise Business 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 or Wise Business 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 Wise Business in Cambodia: questions
Is Playto cheaper than Payoneer and Wise Business in Cambodia?
Which costs less, Payoneer or Wise Business in Cambodia?
How does a business in Cambodia get paid from abroad?
Does Wise Business work in Cambodia?
How much does Payoneer charge on a $10,000 payment from the United States?
How much does Wise Business 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 Wise Business to Playto?
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