PlaytoPayU alternative · Nigeria · 2026
PayU alternative in Nigeria: fees on $10,000, side by side
PayU's standard published price, for a client in the United States paying a business in Poland, comes to $149.08 on a $10,000 card payment. For a business in Nigeria, Playto takes $250.30 and adds zero markup, so you keep $9,749.70. The table also shows PayPal, Lemon Squeezy, Paddle and 2Checkout, checked for a business in Nigeria.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by card
- PayUStandard published price, another country$149.08
- 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. PayU's numbers here are its standard published price, for a client in the United States paying a business in Poland. We don't have a separate PayU price for a business in Nigeria on file.
- With Playto you receive
- $9,749.70
- On a $10,000 card payment.
- PayU all in
- 1.5%
- Standard published price, business in Poland.
- Playto all in
- 2.5%
- Of a $10,000 card payment.
- Ways to pay
- 30+
- From 170+ countries.
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $974.70 | $4,874.70 | $9,749.70 |
| PayU1,2Standard published price: client in the United States, business in Poland | $985.02 | $4,925.42 | $9,850.92 |
| PayPal3,4 | ≤ $950.70 | ≤ $4,754.70 | ≤ $9,509.70 |
| Lemon Squeezy5,6 | $940.00 | $4,702.00 | $9,404.50 |
| Paddle7,8 | ≤ $934.50 | ≤ $4,734.50 | ≤ $9,484.50 |
| 2Checkout10,11,12 | ≤ $929.65 | ≤ $4,709.65 | ≤ $9,434.65 |
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $995.00 | $4,995.00 | $9,995.00 |
| PayU1,2Standard published price: client in the United States, business in Poland | Not listed | Not listed | Not listed |
| PayPal | Not listed | Not listed | Not listed |
| Lemon Squeezy6 | $940.00 | $4,702.00 | $9,404.50 |
| Paddle8,9 | ≤ $950.00 | ≤ $4,810.00 | ≤ $9,635.00 |
| 2Checkout11,12,13 | ≤ $929.65 | ≤ $4,709.65 | ≤ $9,434.65 |
- 1.PayU: Card payment fee (standard price after the first 3 months); PayU: Fixed fee per card payment (PLN 0.30, converted at the ECB rate of 16 Oct 2026). poland.payu.com/wp-content/uploads/sites/14/2026/09/Secure-payments-PayU-TC.pdf, checked 18 Oct 2026.
- 2.PayU: Transfer to your bank (free). poland.payu.com/wp-content/uploads/sites/14/2026/08/Price_list_PL_ENG4_01_2026.pdf, checked 18 Oct 2026.
- 3.PayPal: Payment fee for a client outside Nigeria. www.paypal.com/ng/business/paypal-business-fees, checked 17 Oct 2026.
- 4.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.
- 5.Lemon Squeezy: Platform fee. www.lemonsqueezy.com/pricing, checked 17 Oct 2026.
- 6.Lemon Squeezy: Transfer fee to a bank outside the US; Lemon Squeezy: Platform fee (same for ACH bank debits). docs.lemonsqueezy.com/help/getting-started/fees, checked 17 Oct 2026.
- 7.Paddle: Paddle Checkout fee. www.paddle.com/pricing, checked 17 Oct 2026.
- 8.Paddle: SWIFT transfer fee for USD to your bank (one a month). www.paddle.com/help/manage/get-paid/is-there-a-fee-taken-for-payouts, checked 17 Oct 2026.
- 9.Paddle: Fee on a Paddle invoice paid by bank transfer. www.paddle.com/legal/terms, checked 17 Oct 2026.
- 10.2Checkout: 2Sell fee per sale. www.2checkout.com/pricing/, checked 17 Oct 2026.
- 11.2Checkout: Cross-border fee (Nigeria is not exempt). docs.2checkout.com/product-catalog/product-catalog/pricing-and-charge-scenarios/cross-border-payments-fee-charges, checked 17 Oct 2026.
- 12.2Checkout: Wire transfer fee for USD to your bank (one a month). docs.2checkout.com/get-started/getting-started/payouts, checked 17 Oct 2026.
- 13.2Checkout: 2Sell fee per sale (also on wire-paid orders). docs.2checkout.com/payments/payments/payment-methods, checked 17 Oct 2026.
Where the money goes
$10,000 by card, line by line
PayU: standard published price (business in Poland, paid out in PLN)
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.
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.
Fees charged
- PayU (standard price)You receive $9,850.92$149.08
- PlaytoYou receive $9,749.70$250.30
Side by side
PayU and Playto, in plain numbers
What adds to the cost with PayU
- All in, PayU takes $149.08 (1.5%) of a $10,000 card payment (standard published price, business in Poland). Playto takes $250.30.
When PayU 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 PayU 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
PayU alternative in Nigeria: questions
Is Playto cheaper than PayU in Nigeria?
What are the alternatives to PayU for a business in Nigeria?
How does a business in Nigeria get paid from abroad?
Does PayU work in Nigeria?
How much does PayU charge on a $10,000 payment from the United States?
How much does Playto cost?
How do I move from PayU 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.