PlaytoPayPal alternative · Finland · 2026
PayPal alternative in Finland: keep $9,749 of $10,000
The cheapest way in the world to get paid internationally.
On a $10,000 card payment from a client in the United States to a business in Finland, PayPal takes $823.12 in fees. Playto takes $250.30 and adds zero markup, so you keep $9,749.70. The table below also shows Stripe, Payoneer, Dodo Payments and Lemon Squeezy.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by card
- PayPalYou receive $9,176.88$823.12
- 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 Finland. All fees included. Taxes not included.
- Difference on $10,000
- $572.82
- By card, what reaches you with Playto compared with PayPal.
- PayPal all in
- 8.2%
- Of a $10,000 card payment.
- Playto all in
- 2.5%
- Of a $10,000 card payment.
- Ways to pay
- 30+
- From 170+ countries.
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $974.70 | $4,874.70 | $9,749.70 |
| PayPal1 | $917.43 | $4,588.29 | $9,176.88 |
| Stripe2 | $948.22 | $4,742.22 | $9,484.72 |
| Payoneer3 | Fees not published | Fees not published | Fees not published |
| Dodo Payments4 | ≤ $959.60 | ≤ $4,799.60 | ≤ $9,599.60 |
| Lemon Squeezy5,6 | $940.00 | $4,702.00 | $9,404.50 |
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $995.00 | $4,995.00 | $9,995.00 |
| PayPal | Not listed | Not listed | Not listed |
| Stripe | Not listed | Not listed | Not listed |
| Payoneer3 | ≤ $983.55 | ≤ $4,923.75 | ≤ $9,849.00 |
| Dodo Payments4 | ≤ $985.00 | ≤ $4,985.00 | ≤ $9,985.00 |
| Lemon Squeezy6 | $940.00 | $4,702.00 | $9,404.50 |
- 1.PayPal: Payment fee (PayPal standard rate); PayPal: Extra fee for a client outside the EEA; PayPal: Conversion to EUR above PayPal's base rate. www.paypal.com/fi/business/paypal-business-fees, 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/fi/pricing, checked 17 Oct 2026.
- 3.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 Finland (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.
- 4.Dodo Payments: Card or wallet fee; Dodo Payments: ACH Direct Debit fee (charged instead of the card fee). dodopayments.com/pricing, checked 17 Oct 2026.
- 5.Lemon Squeezy: Platform fee. www.lemonsqueezy.com/pricing, checked 17 Oct 2026.
- 6.Lemon Squeezy: Transfer fee to a bank outside the US; Lemon Squeezy: Platform fee (same for ACH bank debits). docs.lemonsqueezy.com/help/getting-started/fees, checked 17 Oct 2026.
Where the money goes
$10,000 by card, line by line
Getting paid in Finland
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
Banks in Finland send normal SEPA credit transfers and direct debits through STEP2, run by EBA Clearing. They also use TIPS, the Eurosystem's instant payment service.
Source: www.suomenpankki.fi, 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.
Everyday payments
In 2024, cards were used for 57% of payments in shops and other points of sale in Finland, and cash for 27%.
Source: www.ecb.europa.eu, checked 22 Oct 2026.
E-invoices
Finvoice is an e-invoice format published by Finnish banks. Banks and payment institutions also run a Finvoice service for businesses that forwards these invoices.
Source: www.finanssiala.fi, 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 Finland.
Fees charged
- PayPalYou receive $9,176.88$823.12
- PlaytoYou receive $9,749.70$250.30
Side by side
PayPal and Playto, in plain numbers
What adds to the cost with PayPal
- PayPal lists no bank transfer option for a client in the United States paying a business in Finland.
- By card, PayPal adds 3% of what is left after earlier fees when it changes the money to EUR: $283.82 on $10,000.
- All in, PayPal takes $823.12 (8.2%) of a $10,000 card payment. Playto takes $250.30.
When PayPal is still the right choice
- Your clients pay you inside your own country. A local payment method can cost less there. Playto is built for clients abroad.
- 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 PayPal 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
PayPal alternative in Finland: questions
Is Playto cheaper than PayPal in Finland?
What are the alternatives to PayPal for a business in Finland?
How does a business in Finland get paid from abroad?
How much does PayPal charge on a $10,000 payment from the United States?
How much does Playto cost?
How do I move from PayPal to Playto?
Get paid by global clients
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.
No monthly fees. No setup fees. Lowest price guarantee.