PlaytoFee comparison · Thailand · 2026
PayPal vs Wise Business in Thailand: fees on $10,000, side by side
On a $10,000 card payment from a client in the United States to a business in Thailand, PayPal takes $727.09 in fees. Wise Business' standard published price (business in the United Kingdom) lists no card option; by bank transfer it takes at least $24.00. 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.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by card
- PayPalYou receive $9,272.91$727.09
- Wise BusinessIts standard published price lists no card optionNot listed
- 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 Thailand. All fees included. Taxes not included. Wise Business' numbers here are its standard published price, for a client in the United States paying a business in the United Kingdom.
- 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.
- Wise Business all in
- Not listed
- Its standard published price lists no card option.
- Playto all in
- 2.5%
- Of a $10,000 card payment.
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $995.00 | $4,995.00 | $9,995.00 |
| PayPal | Not listed | Not listed | Not listed |
| Wise Business2Standard published price: client in the United States, business in the United Kingdom | ≤ $997.60 | ≤ $4,988.00 | ≤ $9,976.00 |
- 1.PayPal: Payment fee for a client outside Thailand; PayPal: Conversion to THB above PayPal's base rate. www.paypal.com/th/business/paypal-business-fees?locale.x=en_TH, checked 17 Oct 2026.
- 2.Wise Business: Receiving USD from a US client by ACH into your Wise USD account details (free); Wise Business: Wise conversion fee from USD to GBP (varies by currency, from 0.24%); Wise Business: Keeping the GBP in your Wise Business account, which has UK account details (free). wise.com/gb/pricing/business, checked 18 Oct 2026.
Getting paid in Thailand
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
Since 2016, PromptPay has let people in Thailand send money through digital channels using a citizen ID, a mobile phone number or a bank account number.
Source: www.bot.or.th, checked 17 Oct 2026.
Money rules
If you receive USD 1 million or more from abroad, you must bring it into Thailand within 360 days of the export or deal date. Within 360 days of getting it, you must sell it to an authorised bank or put it in a foreign currency account at one.
Source: www.bot.or.th, checked 17 Oct 2026.
Foreign currency accounts
People and businesses in Thailand may keep foreign currency accounts at authorised banks. They can pay in, with no limit, foreign currency received from abroad, such as income and payments for services.
Source: www.bot.or.th, checked 17 Oct 2026.
Papers for foreign exchange
When you buy, sell, pay in or take out foreign currency at an authorised bank, you must give the bank details of the deal. For USD 200,000 or more, the bank asks for papers that back it up, unless it has already checked your business (Know Your Business).
Source: www.bot.or.th, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 33.58 THB (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 Thailand.
Fees charged
- PayPalYou receive $9,272.91$727.09
- Wise Business (standard price)No cards listed
- PlaytoYou receive $9,749.70$250.30
Side by side
PayPal, Wise Business and Playto, in plain numbers
What adds to the cost with PayPal and Wise Business
- PayPal lists no bank transfer option for a client in the United States paying a business in Thailand.
- By card, PayPal adds 3% of what is left after earlier fees when it changes the money to THB: $286.79 on $10,000.
- All in, PayPal takes $727.09 (7.3%) of a $10,000 card payment. Playto takes $250.30.
- By bank transfer, Wise Business adds from 0.24% when it changes the money to GBP (standard published price, business in the United Kingdom): at least $24.00 on $10,000.
- All in, Wise Business takes $24.00 or more (0.2%) of a $10,000 bank transfer payment (standard published price, business in the United Kingdom).
- Some Wise Business fees for bank transfer payments are not published, so the real cost can be higher.
When PayPal or Wise Business is still the right choice
- 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 or Wise Business 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 Wise Business in Thailand: questions
Is Playto cheaper than PayPal and Wise Business in Thailand?
Which costs less, PayPal or Wise Business in Thailand?
How does a business in Thailand get paid from abroad?
Does Wise Business work in Thailand?
How much does PayPal charge on a $10,000 payment from the United States?
How much does Wise Business 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 or Wise Business to Playto?
Get paid by global clients
Get paid by clients abroad with zero markup
Cards cost 2.5% + $0.30. Bank transfers are never more than $5. Your client can pay 30+ ways, from 170+ countries.
No monthly fees. No setup fees. Lowest price guarantee.