Fee comparison · Sri Lanka · 2026

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

Razorpay's own country list does not include Sri Lanka (razorpay.com, checked 22 Oct 2026). Stripe's own country list does not include Sri Lanka (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 Sri Lanka, 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≥ $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 Sri Lanka. 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 Sri Lanka 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.
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 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
Client pays by bank transfer: what you receive
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 IndiaNot 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 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)

  • Fee for an international card charged in USD3$430.00
  • Currency conversion surcharge (USD to INR)3$200.00
  • Total$630.00
  • You receive$9,370.00

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 Sri Lanka

The basics, with sources

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

Currency

Sri Lanka rupee (LKR).

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

Local bank payments

LankaPay's CEFTS sends money to customers of member banks, through internet banking, mobile banking and LANKAQR. It started on 21 August 2015.

Source: www.cbsl.gov.lk, checked 17 Oct 2026.

Money rules

Anyone in Sri Lanka who sells services abroad must receive the money in Sri Lanka within 180 days of providing the service.

Source: www.dfe.lk, checked 17 Oct 2026.

Papers for your bank

As soon as the money arrives, you must give the bank that receives it all the papers that go with each payment.

Source: www.dfe.lk, checked 17 Oct 2026.

Foreign currency accounts

People and businesses in Sri Lanka who earn foreign currency from abroad can open a Business Foreign Currency Account (BFCA). It can take money sent from abroad for exports of goods and services.

Source: www.dfe.lk, checked 17 Oct 2026.

Exchange rate, for scale

1 USD = 330.4 LKR (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 Sri Lanka.

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

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. 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 Sri Lanka: questions

Is Playto cheaper than Razorpay and Stripe in Sri Lanka?
We can't say Playto is cheaper here. We checked Razorpay's and Stripe's standard published prices for a business in India, not for Sri Lanka. On those prices, on $10,000 by card, Razorpay takes at least $300.00 and Stripe takes $630.00. On $10,000 by card, Playto takes $250.30. Taxes are not included.
Which costs less, Razorpay or Stripe in Sri Lanka?
We can't say which costs less here: both numbers are standard published prices for a business in India, not for Sri Lanka. Playto takes $250.30 on $10,000 by card.
How does a business in Sri Lanka 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 Sri Lanka?
Stripe's own country list does not include Sri Lanka (stripe.com, checked 22 Oct 2026).
Does Razorpay work in Sri Lanka?
Razorpay's own country list does not include Sri Lanka (razorpay.com, checked 22 Oct 2026).
How much does Razorpay charge on a $10,000 payment from the United States?
By card, Razorpay takes at least $300.00 on $10,000, so at most $9,700.00 reaches a business in India. Its published fees include the $300.00 international card platform fee. Some of its fees are not published. 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 $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. 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 start getting paid with 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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