Fee comparison · Thailand · 2026

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

Razorpay's own country list does not include Thailand (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. Stripe takes $675.30. For a business in Thailand, 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
  • StripeYou receive $9,324.70$675.30
  • 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 Thailand. 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 Malaysia. We don't have a separate Razorpay price for a business in Thailand 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
6.8%
Of a $10,000 card payment.
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
Stripe2$932.20$4,662.20$9,324.70

Client pays by bank transfer

Stripe lists no bank transfer option for this case.2 Razorpay's standard published price (business in Malaysia) lists no bank transfer option.1 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: International card fee (4.75%); Stripe: Fixed fee (THB 10.00, converted at the ECB rate of 16 Oct 2026); Stripe: Currency conversion surcharge (USD to THB). stripe.com/en-th/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

  • International card fee (4.75%)2$475.00
  • Fixed fee (THB 10.00, converted at the ECB rate of 16 Oct 2026)2$0.30
  • Currency conversion surcharge (USD to THB)2$200.00
  • Total$675.30
  • You receive$9,324.70

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 Thailand

The basics, with sources

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

Currency

Baht (THB).

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

Local bank payments

Since 2016, PromptPay has let people in Thailand send money through digital channels using a citizen ID, a mobile phone number or a bank account number.

Source: www.bot.or.th, checked 17 Oct 2026.

Money rules

If you receive USD 1 million or more from abroad, you must bring it into Thailand within 360 days of the export or deal date. Within 360 days of getting it, you must sell it to an authorised bank or put it in a foreign currency account at one.

Source: www.bot.or.th, checked 17 Oct 2026.

Foreign currency accounts

People and businesses in Thailand may keep foreign currency accounts at authorised banks. They can pay in, with no limit, foreign currency received from abroad, such as income and payments for services.

Source: www.bot.or.th, checked 17 Oct 2026.

Papers for foreign exchange

When you buy, sell, pay in or take out foreign currency at an authorised bank, you must give the bank details of the deal. For USD 200,000 or more, the bank asks for papers that back it up, unless it has already checked your business (Know Your Business).

Source: www.bot.or.th, checked 17 Oct 2026.

Exchange rate, for scale

1 USD = 33.58 THB (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 Thailand.

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

Fees charged

  • Razorpay (standard price)You receive $9,670.00$330.00
  • StripeYou receive $9,324.70$675.30
  • 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.
  • Stripe lists no bank transfer option for a client in the United States paying a business in Thailand.
  • By card, Stripe adds 2% when it changes the money to THB: $200.00 on $10,000.
  • All in, Stripe takes $675.30 (6.8%) 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. 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 Thailand: questions

Is Playto cheaper than Razorpay and Stripe in Thailand?
Playto costs less than Stripe at every amount from $1,000 to $50,000 we checked, by card, for a client in the United States paying a business in Thailand. We can't compare Razorpay: its number is its standard published price for a business in Malaysia. Taxes are not included.
Which costs less, Razorpay or Stripe in Thailand?
We can't say which costs less here: Razorpay's number is its standard published price for a business in Malaysia. Playto takes $250.30 on $10,000 by card.
How does a business in Thailand 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 Thailand?
Stripe's own country list includes Thailand (stripe.com, checked 22 Oct 2026).
Does Razorpay work in Thailand?
Razorpay's own country list does not include Thailand (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 $675.30 on $10,000, so $9,324.70 reaches a business in Thailand. The biggest fees are the $475.00 international card fee (4.75%) and the $200.00 currency conversion surcharge. Every fee is listed on this page, with its source. 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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