PlaytoFee comparison · Sao Tome and Principe · 2026
Razorpay vs Stripe in Sao Tome and Principe: fees on $10,000, side by side
Razorpay's own country list does not include Sao Tome and Principe (razorpay.com, checked 22 Oct 2026). Stripe's own country list does not include Sao Tome and Principe (stripe.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. On its standard published price (business in India), Stripe takes $630.00. For a business in Sao Tome and Principe, 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
- StripeStandard published price, another country$630.00
- 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 Sao Tome and Principe. 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 India. We don't have separate Razorpay or Stripe prices for a business in Sao Tome and Principe 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
- 6.3%
- Standard published price, business in India.
- Playto all in
- 2.5%
- Of a $10,000 card payment.
| 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 India | ≤ $970.00 | ≤ $4,850.00 | ≤ $9,700.00 |
| Stripe3Standard published price: client in the United States, business in India | $937.00 | $4,685.00 | $9,370.00 |
| 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 |
| Stripe3Standard published price: client in the United States, business in India | 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: 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 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: standard published price (business in India, paid out in INR)
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 Sao Tome and Principe
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
Rede Dobra 24 is an automatic payment network that links all the banks in Sao Tome and Principe. With a Dobra 24 card you can use any ATM in the network, whatever your bank, including to transfer money to other accounts.
Source: bcstp.st, checked 17 Oct 2026.
Money rules
Under the central bank's 2024 foreign exchange rules, all export earnings must be brought into Sao Tome and Principe through the financial system within 180 days. For services, the 180 days start when the resident receives the payment.
Source: bcstp.st, checked 17 Oct 2026.
Export earnings account
Export earnings come in by bank transfer to a special earnings account in the exporter's name. The money can stay fully in foreign currency in that account.
Source: bcstp.st, checked 17 Oct 2026.
Share held by the central bank
Banks that handle export deals must pass 25% of the foreign currency from export earnings to the central bank (BCSTP). The BCSTP then pays the same value in dobras into the exporter's account.
Source: bcstp.st, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 21.576 STN (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 Sao Tome and Principe.
Fees charged
- Razorpay (standard price)You receive $9,700.00 at most≥ $300.00
- Stripe (standard price)You receive $9,370.00$630.00
- 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.
- By card, Stripe adds 2% when it changes the money to INR (standard published price, business in India): $200.00 on $10,000.
- All in, Stripe takes $630.00 (6.3%) of a $10,000 card payment (standard published price, business in India).
Getting started
Get paid with Playto 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 Sao Tome and Principe: questions
Is Playto cheaper than Razorpay and Stripe in Sao Tome and Principe?
Which costs less, Razorpay or Stripe in Sao Tome and Principe?
How does a business in Sao Tome and Principe get paid from abroad?
Does Stripe work in Sao Tome and Principe?
Does Razorpay work in Sao Tome and Principe?
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?
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