Fee comparison · Panama · 2026

PayPal vs Razorpay in Panama: fees on $10,000, side by side

Razorpay's own country list does not include Panama (razorpay.com, checked 22 Oct 2026). On a $10,000 card payment from a client in the United States to a business in Panama, PayPal takes at least $634.90 in fees. Some of its fees are not published. On its standard published price (business in the United States), Razorpay takes $390.30. Playto takes $250.30 and adds zero markup, so you keep $9,749.70.

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Fees on $10,000 by card

  • PayPalYou receive $9,365.10 at most≥ $634.90
  • RazorpayStandard published price, another country$390.30
  • 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 Panama. All fees included. Taxes not included. Razorpay's numbers here are its standard published price, for a client in the United Kingdom paying a business in the United States.

Difference on $10,000
≥ $384.60
By card, what reaches you with Playto compared with PayPal (not all its fees are published, so at least this).
PayPal all in
6.3%+
Of a $10,000 card payment.
Razorpay all in
3.9%
Standard published price, business in the United States.
Playto all in
2.5%
Of a $10,000 card payment.
Client pays by card: what you receive
Provider$1,000$5,000$10,000
Playto$974.70$4,874.70$9,749.70
PayPal1≤ $930.70≤ $4,682.40≤ $9,365.10
Razorpay2Standard published price: client in the United Kingdom, business in the United States$960.70$4,804.70$9,609.70

Client pays by bank transfer

PayPal lists no bank transfer option for this case.1 Razorpay's standard published price (business in the United States) lists no bank transfer option.2 With Playto, bank transfers are never more than $5.

  1. 1.PayPal: Payment fee for a client outside Panama; PayPal: Withdrawal fee for USD to a bank account in Panama. www.paypal.com/pa/business/paypal-business-fees?locale.x=en_PA, checked 17 Oct 2026.
  2. 2.Razorpay: Card payment fee (2.70% + 30 cents); Razorpay: Fee for a card issued outside the US (+1.2%). razorpay.com/us/pricing/, checked 17 Oct 2026.

Where the money goes

$10,000 by card, line by line

PayPal

  • Payment fee for a client outside Panama1$540.30
  • Withdrawal fee for USD to a bank account in Panama1$94.60
  • Total (at least)$634.90
  • You receive (at most)$9,365.10

Some fees on this route aren't published, so this is the least it can cost.

Razorpay: standard published price (business in the United States, paid out in USD)

  • Card payment fee (2.70% + 30 cents)2$270.30
  • Fee for a card issued outside the US (+1.2%)2$120.00
  • Total$390.30
  • You receive$9,609.70

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 Panama

The basics, with sources

Public facts from official sources, each with its date. Not advice: check with your bank.

Currency

Panamanian balboa (PAB) and US dollar (USD).

Source: www.six-group.com, checked 17 Oct 2026.

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 Panama.

$10,000
$1,000$50,000

Fees charged

  • PayPalYou receive $9,365.10 at most≥ $634.90
  • Razorpay (standard price)You receive $9,609.70$390.30
  • PlaytoYou receive $9,749.70$250.30

Side by side

PayPal, Razorpay and Playto, in plain numbers

What adds to the cost with PayPal and Razorpay

  • PayPal lists no bank transfer option for a client in the United States paying a business in Panama.
  • All in, PayPal takes $634.90 or more (6.3%) of a $10,000 card payment. Playto takes $250.30.
  • Some PayPal fees for card payments are not published, so the real cost can be higher.
  • All in, Razorpay takes $390.30 (3.9%) of a $10,000 card payment (standard published price, business in the United States).

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 another currency and not change it. An account that holds foreign money may suit you better.

Switching

Move from PayPal in three steps

  1. 1

    Request an invite

    Tell us about your business. Playto checks every business before it gets in.

  2. 2

    Send a payment link

    Share a link or an invoice. Your client can pay 30+ ways, from 170+ countries.

  3. 3

    Get paid

    Cards cost 2.5% + $0.30. Bank transfers are never more than $5. Playto adds zero markup.

FAQ

PayPal vs Razorpay in Panama: questions

Is Playto cheaper than PayPal and Razorpay in Panama?
Playto costs less than PayPal at every amount from $1,000 to $50,000 we checked, by card, for a client in the United States paying a business in Panama. We can't compare Razorpay: its number is its standard published price for a business in the United States. Taxes are not included.
Which costs less, PayPal or Razorpay in Panama?
We can't say which costs less here: Razorpay's number is its standard published price for a business in the United States. Playto takes $250.30 on $10,000 by card.
How does a business in Panama get paid from abroad?
Send your client a payment link or an invoice. Your client can pay 30+ ways, from 170+ countries. They pick a card, a wallet or a bank transfer (ACH, SEPA, UK and wires).
Does Razorpay work in Panama?
Razorpay's own country list does not include Panama (razorpay.com, checked 22 Oct 2026).
How much does PayPal charge on a $10,000 payment from the United States?
By card, PayPal takes at least $634.90 on $10,000, so at most $9,365.10 reaches a business in Panama. Its published fees include the $540.30 payment fee for a client outside Panama and the $94.60 withdrawal fee for USD to a bank account in Panama. Some of its fees are not published. These numbers come from PayPal's own pricing pages, checked 17 Oct 2026.
How much does Razorpay charge on a $10,000 payment from the United Kingdom?
By card, Razorpay takes $390.30 on $10,000, so $9,609.70 reaches a business in the United States. Its fees are the $270.30 card payment fee (2.70% + 30 cents) and the $120.00 fee for a card issued outside the US (+1.2%). This is its standard published price. These numbers come from Razorpay's own pricing pages, checked 17 Oct 2026.
How much does Playto cost?
Cards and wallets cost 2.5% + $0.30, the same for every card. Bank transfers are never more than $5. Playto adds zero markup. There are no monthly fees and no setup fees. Payments between Playto users are free.
How does Playto make money?
Playto makes no profit on payment processing. 2.5% + $0.30 is what the card networks and banks charge us. Playto adds no markup. We earn from optional extra services you can choose. We keep lowering prices as we grow and get better costs.
How do I move from PayPal to Playto?
Request an invite and tell us about your business. Playto checks every business before it gets in. Then send your client a payment link or an invoice.

Keep comparing

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No monthly fees. No setup fees. Lowest price guarantee.

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