Fee comparison · Singapore · 2026

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

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 Singapore, PayPal takes $727.09 in fees. Razorpay takes at least $350.31. Some of its fees are not published. Playto takes $250.30 and adds zero markup, so you keep $9,749.70. Cards cost 2.5% + $0.30. Bank transfers are never more than $5.

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Fees on $10,000 by card

  • PayPalYou receive $9,272.91$727.09
  • RazorpayYou receive $9,649.69 at most≥ $350.31
  • 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 Singapore. All fees included. Taxes not included.

Difference on $10,000
$476.79
By card, what reaches you with Playto compared with PayPal.
PayPal all in
7.3%
Of a $10,000 card payment.
Razorpay all in
3.5%+
Of a $10,000 card payment.
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$927.03$4,636.31$9,272.91
Razorpay2≤ $964.69≤ $4,824.69≤ $9,649.69

Client pays by bank transfer

PayPal and Razorpay list no bank transfer option for this case.1,2 With Playto, bank transfers are never more than $5.

  1. 1.PayPal: Payment fee for a client outside Singapore; PayPal: Conversion to SGD above PayPal's base rate. www.paypal.com/sg/business/paypal-business-fees, checked 17 Oct 2026.
  2. 2.Razorpay: International card fee; Razorpay: Fixed fee (SGD 0.40, converted at the ECB rate of 16 Oct 2026). razorpay.com/sg/pricing/, checked 17 Oct 2026.

Where the money goes

$10,000 by card, line by line

PayPal

  • Payment fee for a client outside Singapore1$440.30
  • Conversion to SGD above PayPal's base rate1$286.79
  • Total$727.09
  • You receive$9,272.91

Razorpay

  • International card fee2$350.00
  • Fixed fee (SGD 0.40, converted at the ECB rate of 16 Oct 2026)2$0.31
  • Total (at least)$350.31
  • You receive (at most)$9,649.69

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

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 Singapore

The basics, with sources

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

Currency

Singapore dollar (SGD).

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

Local bank payments

FAST moves Singapore dollars between banks and other providers in Singapore. With PayNow, which runs on FAST, a business can be paid to its Unique Entity Number (UEN).

Source: www.mas.gov.sg, checked 17 Oct 2026.

Exchange rate

The Monetary Authority of Singapore manages the Singapore dollar against a basket of its trading partners' currencies. It keeps the dollar's value within a set band.

Source: www.mas.gov.sg, checked 17 Oct 2026.

Exchange rate, for scale

1 USD = 1.277 SGD (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 Singapore.

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

Fees charged

  • PayPalYou receive $9,272.91$727.09
  • RazorpayYou receive $9,649.69 at most≥ $350.31
  • 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 Singapore.
  • By card, PayPal adds 3% of what is left after earlier fees when it changes the money to SGD: $286.79 on $10,000.
  • All in, PayPal takes $727.09 (7.3%) of a $10,000 card payment. Playto takes $250.30.
  • Razorpay lists no bank transfer option for a client in the United States paying a business in Singapore.
  • All in, Razorpay takes $350.31 or more (3.5%) of a $10,000 card payment.
  • Some Razorpay fees for card payments are not published, so the real cost can be higher.

When PayPal or Razorpay 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.

Switching

Move from PayPal or Razorpay 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 Singapore: questions

Is Playto cheaper than PayPal and Razorpay in Singapore?
Yes, at every amount from $1,000 to $50,000 we checked, by card, for a client in the United States paying a business in Singapore. On $10,000 by card, PayPal takes $727.09, Razorpay takes at least $350.31 and Playto takes $250.30. Taxes are not included.
Which costs less, PayPal or Razorpay in Singapore?
By card, we can't tell which costs you less at any amount we checked: Razorpay doesn't publish all of its fees. On a $10,000 card payment from a client in the United States to a business in Singapore, PayPal takes $727.09 and Razorpay takes at least $350.31. Playto takes $250.30. Each number comes from the provider's own pricing page.
How does a business in Singapore 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 Singapore?
Razorpay's own country list includes Singapore (razorpay.com, checked 22 Oct 2026).
How much does PayPal charge on a $10,000 payment from the United States?
By card, PayPal takes $727.09 on $10,000, so $9,272.91 reaches a business in Singapore. Its fees are the $440.30 payment fee for a client outside Singapore and the $286.79 conversion to SGD above PayPal's base rate. 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 States?
By card, Razorpay takes at least $350.31 on $10,000, so at most $9,649.69 reaches a business in Singapore. Its published fees include the $350.00 international card fee and the $0.31 fixed fee. Some of its fees are not published. 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 or Razorpay 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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