Fee comparison · 2026

Razorpay vs Wise Business: fees on $10,000, side by side

On a $10,000 bank transfer payment from a client in the United States to a business in India, Razorpay takes $100.00 in fees. On its standard published price (business in the United Kingdom), Wise Business takes at least $24.00. Some of its fees are not published. Playto takes $5.00 and adds zero markup, so you keep $9,995.00. Cards cost 2.5% + $0.30. Bank transfers are never more than $5.

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Fees on $10,000 by bank transfer

RazorpayYou receive $9,900.00$100.00
Wise BusinessStandard published price, another country≥ $24.00
PlaytoYou receive $9,995.00$5.00

The numbers

What lands in your bank

Example payments from a client in the United States to a business in India. All fees included. Taxes not included. Wise Business' numbers here are its standard published price, for a client in the United States paying a business in the United Kingdom.

Difference on $10,000: $95.00; By bank transfer, what reaches you with Playto compared with Razorpay.
Razorpay all in: $100.00; Of a $10,000 bank transfer payment.
Wise Business all in: ≥ $24.00; Standard published price, business in the United Kingdom.
Playto all in: $5.00; On a $10,000 bank transfer.

Client pays by card: what you receive
Provider	$1,000	$5,000	$10,000
Playto	$974.70	$4,874.70	$9,749.70
Razorpay¹	≤ $970.00	≤ $4,850.00	≤ $9,700.00
Wise Business³Standard published price: client in the United States, business in the United Kingdom	Not listed	Not listed	Not listed

Client pays by bank transfer: what you receive
Provider	$1,000	$5,000	$10,000
Playto	$995.00	$4,995.00	$9,995.00
Razorpay²	$989.47	$4,950.00	$9,900.00
Wise Business³Standard published price: client in the United States, business in the United Kingdom	≤ $997.60	≤ $4,988.00	≤ $9,976.00

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.Wise Business: Receiving USD from a US client by ACH into your Wise USD account details (free); Wise Business: Wise conversion fee from USD to GBP (varies by currency, from 0.24%); Wise Business: Keeping the GBP in your Wise Business account, which has UK account details (free). wise.com/gb/pricing/business, checked 18 Oct 2026.

Where the money goes

$10,000 by bank transfer, line by line

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)²$100.00
Total$100.00
You receive$9,900.00

Wise Business: standard published price (business in the United Kingdom, paid out in GBP)

Receiving USD from a US client by ACH into your Wise USD account details³Free
Wise conversion fee from USD to GBP (varies by currency, from 0.24%)³$24.00
Keeping the GBP in your Wise Business account, which has UK account details³Free
Total (at least)$24.00
You receive (at most)$9,976.00

Some fees on this route aren't published, so this is the least it can cost.

Playto

Bank transfer fee$5.00
Total$5.00
You receive$9,995.00

Prices from playto.so/pricing. Playto adds zero markup.

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 India.

Your client pays$10,000

$1,000$50,000

Fees charged

RazorpayYou receive $9,900.00$100.00
Wise Business (standard price)You receive $9,976.00 at most≥ $24.00
PlaytoYou receive $9,995.00$5.00

Side by side

Razorpay, Wise Business and Playto, in plain numbers

What adds to the cost with Razorpay and Wise Business

All in, Razorpay takes $300.00 or more (3.0%) of a $10,000 card payment. 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. Playto takes $5.00.
By bank transfer, Wise Business adds from 0.24% when it changes the money to GBP (standard published price, business in the United Kingdom): at least $24.00 on $10,000.
All in, Wise Business takes $24.00 or more (0.2%) of a $10,000 bank transfer payment (standard published price, business in the United Kingdom).
Some Wise Business fees for bank transfer payments are not published, so the real cost can be higher.

Switching

Move from Razorpay or Wise Business 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 Wise Business: questions

Is Playto cheaper than Razorpay and Wise Business?

Playto costs less than Razorpay at every amount from $1,000 to $50,000 we checked, by card and by bank transfer, for a client in the United States paying a business in India. We can't compare Wise Business: its number is its standard published price for a business in the United Kingdom. Taxes are not included.

Which costs less, Razorpay or Wise Business?

We can't say which costs less here: Wise Business' number is its standard published price for a business in the United Kingdom. Playto takes $5.00 on $10,000 by bank transfer.

How much does Razorpay charge on a $10,000 payment from the United States?

By bank transfer, Razorpay takes $100.00 on $10,000, so $9,900.00 reaches a business in India. That is its MoneySaver bank transfer fee. These numbers come from Razorpay's own pricing pages, checked 17 Oct 2026.

How much does Wise Business charge on a $10,000 payment from the United States?

By bank transfer, Wise Business takes at least $24.00 on $10,000, so at most $9,976.00 reaches a business in the United Kingdom. Its published fees include the $24.00 Wise conversion fee from USD to GBP. Some of its fees are not published. Every fee is listed on this page, with its source. This is its standard published price. These numbers come from Wise Business' own pricing pages, checked 18 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 Razorpay or Wise Business 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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Razorpay vs Wise Business: fees on $10,000, side by side

Razorpay

Wise Business: standard published price (business in the United Kingdom, paid out in GBP)

Playto

What adds to the cost with Razorpay and Wise Business

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