Fee comparison · Indonesia · 2026

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

Razorpay's own country list does not include Indonesia (razorpay.com, checked 22 Oct 2026). Razorpay's standard published price, for a client in the United States paying a business in Malaysia, comes to $330.00 on a $10,000 card payment. On its standard published price (business in Malaysia), Stripe takes $600.25. For a business in Indonesia, Playto takes $250.30 and adds zero markup, so you keep $9,749.70.

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Fees on $10,000 by card

  • RazorpayStandard published price, another country$330.00
  • StripeStandard published price, another country$600.25
  • 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 Indonesia. All fees included. Taxes not included. Razorpay's and Stripe's numbers here are their standard published prices, for a client in the United States paying a business in Malaysia. We don't have separate Razorpay or Stripe prices for a business in Indonesia on file.

With Playto you receive
$9,749.70
On a $10,000 card payment.
Razorpay all in
3.3%
Standard published price, business in Malaysia.
Stripe all in
6.0%
Standard published price, business in Malaysia.
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
Razorpay1Standard published price: client in the United States, business in Malaysia$967.00$4,835.00$9,670.00
Stripe2Standard published price: client in the United States, business in Malaysia$939.75$4,699.75$9,399.75

Client pays by bank transfer

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

  1. 1.Razorpay: Foreign card fee (Razorpay Curlec, Basic plan). curlec.com/pricing/, checked 17 Oct 2026.
  2. 2.Stripe: Card fee (3.0%); Stripe: Fixed fee (MYR 1.00, converted at the ECB rate of 16 Oct 2026); Stripe: Fee for a card issued outside the country; Stripe: Currency conversion surcharge (USD to MYR). stripe.com/my/pricing, checked 17 Oct 2026.

Where the money goes

$10,000 by card, line by line

Razorpay: standard published price (business in Malaysia, paid out in MYR)

  • Foreign card fee (Razorpay Curlec, Basic plan)1$330.00
  • Total$330.00
  • You receive$9,670.00

Stripe: standard published price (business in Malaysia, paid out in MYR)

  • Card fee (3.0%)2$300.00
  • Fixed fee (MYR 1.00, converted at the ECB rate of 16 Oct 2026)2$0.25
  • Fee for a card issued outside the country2$100.00
  • Currency conversion surcharge (USD to MYR)2$200.00
  • Total$600.25
  • You receive$9,399.75

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 Indonesia

The basics, with sources

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

Currency

Rupiah (IDR).

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

Local bank payments

Bank Indonesia launched BI-FAST in December 2021 for transfers between bank accounts in Indonesia.

Source: www.bi.go.id, checked 17 Oct 2026.

Money rules

Bank Indonesia says deals made inside Indonesia must use rupiah. Cross-border trade in services is one of the deals that may use a foreign currency.

Source: www.bi.go.id, checked 17 Oct 2026.

Exchange rate, for scale

1 USD = 17,865.69 IDR (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 Indonesia.

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

Fees charged

  • Razorpay (standard price)You receive $9,670.00$330.00
  • Stripe (standard price)You receive $9,399.75$600.25
  • PlaytoYou receive $9,749.70$250.30

Side by side

Razorpay, Stripe and Playto, in plain numbers

What adds to the cost with Razorpay and Stripe

  • All in, Razorpay takes $330.00 (3.3%) of a $10,000 card payment (standard published price, business in Malaysia). Playto takes $250.30.
  • By card, Stripe adds 2% when it changes the money to MYR (standard published price, business in Malaysia): $200.00 on $10,000.
  • All in, Stripe takes $600.25 (6.0%) of a $10,000 card payment (standard published price, business in Malaysia).

When 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 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 in Indonesia: questions

Is Playto cheaper than Razorpay and Stripe in Indonesia?
We can't say Playto is cheaper here. We checked Razorpay's and Stripe's standard published prices for a business in Malaysia, not for Indonesia. On those prices, on $10,000 by card, Razorpay takes $330.00 and Stripe takes $600.25. On $10,000 by card, Playto takes $250.30. Taxes are not included.
Which costs less, Razorpay or Stripe in Indonesia?
We can't say which costs less here: both numbers are standard published prices for a business in Malaysia, not for Indonesia. Playto takes $250.30 on $10,000 by card.
How does a business in Indonesia 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 Indonesia?
Stripe's own country list includes Indonesia, marked "Preview" (stripe.com, checked 22 Oct 2026).
Does Razorpay work in Indonesia?
Razorpay's own country list does not include Indonesia (razorpay.com, checked 22 Oct 2026).
How much does Razorpay charge on a $10,000 payment from the United States?
By card, Razorpay takes $330.00 on $10,000, so $9,670.00 reaches a business in Malaysia. That is its foreign card fee. This is its standard published price. 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 $600.25 on $10,000, so $9,399.75 reaches a business in Malaysia. The biggest fees are the $300.00 card fee (3.0%) 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 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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