Fee comparison · 2026

Razorpay vs Stripe: fees on $10,000, side by side

The cheapest way in the world to get paid internationally.

On a $10,000 bank transfer payment from a client in the United States to a business in India, Razorpay takes $100.00 in fees. Stripe lists no bank transfer option here; by card it takes $630.00. Playto takes $5.00 and adds zero markup, so you keep $9,995.00. Cards cost 2.5% + $0.30. Bank transfers are never more than $5.

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Fees on $10,000 by bank transfer

  • RazorpayYou receive $9,900.00$100.00
  • StripeNo bank transfer option for this caseNot listed
  • PlaytoYou receive $9,995.00$5.00

The numbers

What lands in your bank

Example payments from a client in the United States to a business in India. All fees included. Taxes not included.

Difference on $10,000
$95.00
By bank transfer, what reaches you with Playto compared with Razorpay.
Razorpay all in
$100.00
Of a $10,000 bank transfer payment.
Stripe all in
Not listed
No bank transfer option for this case.
Playto all in
$5.00
On a $10,000 bank transfer.
Client pays by card: what you receive
Provider$1,000$5,000$10,000
Playto$974.70$4,874.70$9,749.70
Razorpay1≤ $970.00≤ $4,850.00≤ $9,700.00
Stripe3$937.00$4,685.00$9,370.00
Client pays by bank transfer: what you receive
Provider$1,000$5,000$10,000
Playto$995.00$4,995.00$9,995.00
Razorpay2$989.47$4,950.00$9,900.00
StripeNot listedNot listedNot listed
  1. 1.Razorpay: International card platform fee. razorpay.com/accept-international-payments/, checked 17 Oct 2026.
  2. 2.Razorpay: MoneySaver bank transfer fee (INR 1,000 flat below INR 1 lakh, then 1%; INR amounts converted at the ECB rate of 16 Oct 2026). razorpay.com/accept-international-payments/bank-transfers/, 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 bank transfer, line by line

Razorpay

  • MoneySaver bank transfer fee (INR 1,000 flat below INR 1 lakh, then 1%; INR amounts converted at the ECB rate of 16 Oct 2026)2$100.00
  • Total$100.00
  • You receive$9,900.00

Playto

  • Bank transfer fee$5.00
  • Total$5.00
  • You receive$9,995.00

Prices from playto.so/pricing. Playto adds zero markup.

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 India.

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

Fees charged

  • RazorpayYou receive $9,900.00$100.00
  • StripeNo bank transfers listed
  • PlaytoYou receive $9,995.00$5.00

Side by side

Razorpay, Stripe and Playto, in plain numbers

What adds to the cost with Razorpay and Stripe

  • All in, Razorpay takes $300.00 or more (3.0%) of a $10,000 card payment. Playto takes $250.30.
  • Some Razorpay fees for card payments are not published, so the real cost can be higher.
  • All in, Razorpay takes $100.00 (1.0%) of a $10,000 bank transfer payment. Playto takes $5.00.
  • Stripe lists no bank transfer option for a client in the United States paying a business in India.
  • By card, Stripe adds 2% when it changes the money to INR: $200.00 on $10,000.
  • All in, Stripe takes $630.00 (6.3%) of a $10,000 card payment.

When Razorpay 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 Razorpay 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

Razorpay vs Stripe: questions

Is Playto cheaper than Razorpay and Stripe?
Yes, at every amount from $1,000 to $50,000 we checked, by card and by bank transfer against Razorpay and by card against Stripe, for a client in the United States paying a business in India. On $10,000 by bank transfer, Razorpay takes $100.00 and Playto takes $5.00. Taxes are not included.
Which costs less, Razorpay or Stripe?
We can't say which costs less here: Stripe lists no bank transfer option for this case. By card, we can't tell which costs you less at any amount we checked: Razorpay doesn't publish all of its fees. Playto takes $5.00 on $10,000 by bank transfer and $250.30 by card.
How much does Razorpay charge on a $10,000 payment from the United States?
By bank transfer, Razorpay takes $100.00 on $10,000, so $9,900.00 reaches a business in India. That is its MoneySaver bank transfer fee. These numbers come from Razorpay'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. 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 Razorpay 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.

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