Fee comparison · Tuvalu · 2026

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

Stripe's own country list does not include Tuvalu (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 Tuvalu, Playto takes $250.30 and adds zero markup, so you keep $9,749.70.

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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 Tuvalu. 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 Tuvalu 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.
Client pays by card: what you receive
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

Client pays by bank transfer

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

  1. 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. 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)

  • Payment fee (PayPal standard rate)1$290.30
  • Extra fee for a client outside Australia1$100.00
  • Conversion to AUD above PayPal's base rate1$288.29
  • Total$678.59
  • You receive$9,321.41

Stripe: standard published price (business in Australia, paid out in AUD)

  • International card fee (3.5%)2$350.00
  • Fixed fee (AUD 0.30, converted at the ECB rate of 16 Oct 2026)2$0.21
  • Currency conversion surcharge (USD to AUD)2$200.00
  • Total$550.21
  • You receive$9,449.79

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 Tuvalu

The basics, with sources

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

Currency

Tuvalu uses the Australian dollar (AUD).

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

Legal tender

Under Tuvalu's Currency Act, Australian banknotes that are legal tender in Australia are also legal tender in Tuvalu.

Source: tuvalu-legislation.tv, checked 17 Oct 2026.

Money rules

Tuvalu's Exchange Control Regulations say that, unless the Minister allows it, you may buy, sell, borrow, lend or exchange foreign currency only with the National Bank of Tuvalu or an authorised dealer.

Source: finance.gov.tv, checked 17 Oct 2026.

Exchange rate, for scale

1 USD = 1.435 AUD (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 Tuvalu.

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

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. 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 Tuvalu: questions

Is Playto cheaper than PayPal and Stripe in Tuvalu?
We can't say Playto is cheaper here. We checked PayPal's and Stripe's standard published prices for a business in Australia, not for Tuvalu. On those prices, on $10,000 by card, PayPal takes $678.59 and Stripe takes $550.21. On $10,000 by card, Playto takes $250.30. Taxes are not included.
Which costs less, PayPal or Stripe in Tuvalu?
We can't say which costs less here: both numbers are standard published prices for a business in Australia, not for Tuvalu. Playto takes $250.30 on $10,000 by card.
How does a business in Tuvalu 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 Tuvalu?
Stripe's own country list does not include Tuvalu (stripe.com, checked 22 Oct 2026).
How much does PayPal charge on a $10,000 payment from the United States?
By card, PayPal takes $678.59 on $10,000, so $9,321.41 reaches a business in Australia. The biggest fees are the $290.30 payment fee and the $288.29 conversion to AUD above PayPal's base rate. Every fee is listed on this page, with its source. This is its standard published price. 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 $550.21 on $10,000, so $9,449.79 reaches a business in Australia. The biggest fees are the $350.00 international card fee (3.5%) and the $200.00 currency conversion surcharge. Every fee is listed on this page, with its source. 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 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.

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