PlaytoFee comparison · Tonga · 2026
PayPal vs Stripe in Tonga: fees on $10,000, side by side
Stripe's own country list does not include Tonga (stripe.com, checked 22 Oct 2026). PayPal's standard published price, for a client in the United States paying a business in Australia, comes to $678.59 on a $10,000 card payment. On its standard published price (business in Australia), Stripe takes $550.21. For a business in Tonga, Playto takes $250.30 and adds zero markup, so you keep $9,749.70.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by card
- PayPalStandard published price, another country$678.59
- StripeStandard published price, another country$550.21
- 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 Tonga. All fees included. Taxes not included. PayPal's and Stripe's numbers here are their standard published prices, for a client in the United States paying a business in Australia. We don't have separate PayPal or Stripe prices for a business in Tonga on file.
- With Playto you receive
- $9,749.70
- On a $10,000 card payment.
- PayPal all in
- 6.8%
- Standard published price, business in Australia.
- Stripe all in
- 5.5%
- Standard published price, business in Australia.
- Playto all in
- 2.5%
- Of a $10,000 card payment.
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $974.70 | $4,874.70 | $9,749.70 |
| PayPal1Standard published price: client in the United States, business in Australia | $931.88 | $4,660.56 | $9,321.41 |
| Stripe2Standard published price: client in the United States, business in Australia | $944.79 | $4,724.79 | $9,449.79 |
- 1.PayPal: Payment fee (PayPal standard rate); PayPal: Extra fee for a client outside Australia; PayPal: Conversion to AUD above PayPal's base rate. www.paypal.com/au/business/paypal-business-fees, checked 17 Oct 2026.
- 2.Stripe: International card fee (3.5%); Stripe: Fixed fee (AUD 0.30, converted at the ECB rate of 16 Oct 2026); Stripe: Currency conversion surcharge (USD to AUD). stripe.com/au/pricing, checked 17 Oct 2026.
Where the money goes
$10,000 by card, line by line
PayPal: standard published price (business in Australia, paid out in AUD)
Stripe: standard published price (business in Australia, paid out in AUD)
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 Tonga
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
In Tonga, payments between banks are settled each day through the Domestic Electronic Payment System (DEPS) of the National Reserve Bank of Tonga, using the banks' settlement accounts. The bank says the system still has limited features and needs manual steps at the banks.
Source: www.reservebank.to, checked 17 Oct 2026.
Money rules
Under the National Reserve Bank of Tonga's 2018 exchange control directive, a business that exports services outside Tonga does not have to file an export declaration. It must still meet the reporting rules set by the relevant authorities.
Source: www.reservebank.to, checked 17 Oct 2026.
Who handles foreign exchange
The National Reserve Bank of Tonga lets banks and foreign exchange dealers approve customers' foreign exchange requests within set limits. Requests above those limits need the Reserve Bank's approval.
Source: www.reservebank.to, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 2.322 TOP (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 Tonga.
Fees charged
- PayPal (standard price)You receive $9,321.41$678.59
- Stripe (standard price)You receive $9,449.79$550.21
- 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
- By card, PayPal adds 3% of what is left after earlier fees when it changes the money to AUD (standard published price, business in Australia): $288.29 on $10,000.
- All in, PayPal takes $678.59 (6.8%) of a $10,000 card payment (standard published price, business in Australia). Playto takes $250.30.
- By card, Stripe adds 2% when it changes the money to AUD (standard published price, business in Australia): $200.00 on $10,000.
- All in, Stripe takes $550.21 (5.5%) of a $10,000 card payment (standard published price, business in Australia).
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 vs Stripe in Tonga: questions
Is Playto cheaper than PayPal and Stripe in Tonga?
Which costs less, PayPal or Stripe in Tonga?
How does a business in Tonga get paid from abroad?
Does Stripe work in Tonga?
How much does PayPal charge on a $10,000 payment from the United States?
How much does Stripe 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 PayPal to Playto?
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