PlaytoFee comparison · Portugal · 2026
Razorpay vs Stripe in Portugal: fees on $10,000, side by side
Razorpay's own country list does not include Portugal (razorpay.com, checked 22 Oct 2026). Razorpay's standard published price, for a client in the United States paying a business in India, comes to at least $300.00 on a $10,000 card payment. Some of its fees are not published. Stripe takes $515.28. For a business in Portugal, Playto takes $250.30 and adds zero markup, so you keep $9,749.70.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by card
- RazorpayStandard published price, another country≥ $300.00
- StripeYou receive $9,484.72$515.28
- 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 Portugal. All fees included. Taxes not included. Razorpay's numbers here are its standard published price, for a client in the United States paying a business in India. We don't have a separate Razorpay price for a business in Portugal on file.
- With Playto you receive
- $9,749.70
- On a $10,000 card payment.
- Razorpay all in
- 3.0%+
- Standard published price, business in India.
- Stripe all in
- 5.2%
- Of a $10,000 card payment.
- 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 |
| Razorpay2Standard published price: client in the United States, business in India | $989.47 | $4,950.00 | $9,900.00 |
| Stripe | Not listed | Not listed | Not listed |
- 1.Razorpay: International card platform fee. razorpay.com/accept-international-payments/, checked 17 Oct 2026.
- 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.Stripe: International card fee (3.15%); Stripe: Fixed fee (EUR 0.25, converted at the ECB rate of 16 Oct 2026); Stripe: Currency conversion surcharge (USD to EUR). stripe.com/pt/pricing, checked 17 Oct 2026.
Where the money goes
$10,000 by card, line by line
Razorpay: standard published price (business in India, paid out in INR)
- International card platform fee1$300.00
- Total (at least)$300.00
- You receive (at most)$9,700.00
Some fees on this route aren't published, so this is the least it can cost.
Stripe
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 Portugal
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
Instant payments in euro can settle through TIPS, the Eurosystem's platform. Payment providers open their TIPS account with their national central bank.
Source: www.ecb.europa.eu, checked 17 Oct 2026.
Money rules
EU law bans limits on payments between EU countries, and between EU countries and the rest of the world.
Source: eur-lex.europa.eu, checked 17 Oct 2026.
Everyday payments
MB WAY, a leading digital payment platform in Portugal, reached 6.8 million users in 2025, SIBS reports. Purchases made up 61% of all MB WAY transactions.
Source: www.corporate.sibs.com, checked 22 Oct 2026.
Payment apps and cards
In 2025 the MB card scheme had 28.7 million active cards, and 556,000 payment terminals took MB cards.
Source: www.corporate.sibs.com, checked 22 Oct 2026.
Exchange rate, for scale
1 USD = 0.881 EUR (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 Portugal.
Fees charged
- Razorpay (standard price)You receive $9,700.00 at most≥ $300.00
- StripeYou receive $9,484.72$515.28
- 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 $300.00 or more (3.0%) of a $10,000 card payment (standard published price, business in India). 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 (standard published price, business in India). Playto takes $5.00.
- Stripe lists no bank transfer option for a client in the United States paying a business in Portugal.
- By card, Stripe adds 2% when it changes the money to EUR: $200.00 on $10,000.
- All in, Stripe takes $515.28 (5.2%) of a $10,000 card payment.
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
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
Razorpay vs Stripe in Portugal: questions
Is Playto cheaper than Razorpay and Stripe in Portugal?
Which costs less, Razorpay or Stripe in Portugal?
How does a business in Portugal get paid from abroad?
Does Stripe work in Portugal?
Does Razorpay work in Portugal?
How much does Razorpay charge on a $10,000 payment from the United States?
How much does Stripe 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 Stripe to Playto?
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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.