Fee comparison · Nigeria · 2026

PayPal vs Stripe in Nigeria: fees on $10,000, side by side

On a $10,000 card payment from a client in the United States to a business in Nigeria, PayPal takes at least $490.30 in fees. Some of its fees are not published. On its standard published price (business in India), Stripe takes $630.00. 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 $9,509.70 at most≥ $490.30
  • StripeStandard published price, another country$630.00
  • 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 Nigeria. 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 India.

Difference on $10,000
≥ $240.00
By card, what reaches you with Playto compared with PayPal (not all its fees are published, so at least this).
PayPal all in
4.9%+
Of a $10,000 card payment.
Stripe all in
6.3%
Standard published price, business in India.
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
PayPal1,2≤ $950.70≤ $4,754.70≤ $9,509.70
Stripe3Standard published price: client in the United States, business in India$937.00$4,685.00$9,370.00

Client pays by bank transfer

PayPal lists no bank transfer option for this case.1,2 Stripe's standard published price (business in India) lists no bank transfer option.3 With Playto, bank transfers are never more than $5.

  1. 1.PayPal: Payment fee for a client outside Nigeria. www.paypal.com/ng/business/paypal-business-fees, checked 17 Oct 2026.
  2. 2.PayPal: Conversion to NGN by PayPal's local partner (not published). www.paypal.com/ng/cshelp/article/what-is-the-third-party-partner-service--help1010, checked 17 Oct 2026.
  3. 3.Stripe: Fee for an international card charged in USD; Stripe: Currency conversion surcharge (USD to INR). stripe.com/in/pricing, checked 17 Oct 2026.

Where the money goes

$10,000 by card, line by line

PayPal

  • Payment fee for a client outside Nigeria1$490.30
  • Conversion to NGN by PayPal's local partner2Not published
  • Total (at least)$490.30
  • You receive (at most)$9,509.70

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

Stripe: standard published price (business in India, paid out in INR)

  • Fee for an international card charged in USD3$430.00
  • Currency conversion surcharge (USD to INR)3$200.00
  • Total$630.00
  • You receive$9,370.00

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 Nigeria

The basics, with sources

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

Currency

Naira (NGN).

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

Local bank payments

NIBSS Instant Payments (NIP) moves money between bank accounts in Nigeria, for people and businesses. NIBSS is owned by all licensed banks, including the Central Bank of Nigeria.

Source: nibss-plc.com.ng, checked 17 Oct 2026.

Exchange rate

In 2023, the Central Bank of Nigeria joined its currency markets into one, the Nigerian Foreign Exchange Market (NFEM), where buyers and sellers agree the rate. Since 2016, the naira's value between banks has mostly been set by supply and demand.

Source: www.cbn.gov.ng, checked 17 Oct 2026.

Exchange rate, for scale

1 USD = 1,326.78 NGN (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 Nigeria.

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

Fees charged

  • PayPalYou receive $9,509.70 at most≥ $490.30
  • Stripe (standard price)You receive $9,370.00$630.00
  • PlaytoYou receive $9,749.70$250.30

Side by side

PayPal, Stripe and Playto, in plain numbers

What adds to the cost with PayPal and Stripe

  • PayPal lists no bank transfer option for a client in the United States paying a business in Nigeria.
  • All in, PayPal takes $490.30 or more (4.9%) 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.
  • By card, Stripe adds 2% when it changes the money to INR (standard published price, business in India): $200.00 on $10,000.
  • All in, Stripe takes $630.00 (6.3%) of a $10,000 card payment (standard published price, business in India).

When PayPal or Stripe 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 Stripe 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 Stripe in Nigeria: questions

Is Playto cheaper than PayPal and Stripe in Nigeria?
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 Nigeria. We can't compare Stripe: its number is its standard published price for a business in India. Taxes are not included.
Which costs less, PayPal or Stripe in Nigeria?
We can't say which costs less here: Stripe's number is its standard published price for a business in India. Playto takes $250.30 on $10,000 by card.
How does a business in Nigeria 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 Stripe work in Nigeria?
Stripe's own country list includes Nigeria, marked "Extended network" (stripe.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 $490.30 on $10,000, so at most $9,509.70 reaches a business in Nigeria. Its published fees include the $490.30 payment fee for a client outside Nigeria. Some of its fees are not published. Every fee is listed on this page, with its source. These numbers come from PayPal's own pricing pages, checked 17 Oct 2026.
How much does Stripe charge on a $10,000 payment from the United States?
By card, Stripe takes $630.00 on $10,000, so $9,370.00 reaches a business in India. Its fees are the $430.00 fee for an international card charged in USD and the $200.00 currency conversion surcharge. This is its standard published price. These numbers come from Stripe'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 Stripe 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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