PlaytoFee comparison · Malaysia · 2026
Razorpay vs Wise Business in Malaysia: fees on $10,000, side by side
On a $10,000 card payment from a client in the United States to a business in Malaysia, Razorpay takes $330.00 in fees. Wise Business' standard published price (business in the United Kingdom) lists no card option; by bank transfer it takes at least $24.00. Some of its fees are not published. Playto takes $250.30 and adds zero markup, so you keep $9,749.70. Cards cost 2.5% + $0.30. Bank transfers are never more than $5.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by card
- RazorpayYou receive $9,670.00$330.00
- Wise BusinessIts standard published price lists no card optionNot listed
- 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 Malaysia. 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
- $79.70
- By card, what reaches you with Playto compared with Razorpay.
- Razorpay all in
- 3.3%
- Of a $10,000 card payment.
- Wise Business all in
- Not listed
- Its standard published price lists no card option.
- 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 |
| Razorpay | Not listed | Not listed | Not listed |
| Wise Business2Standard published price: client in the United States, business in the United Kingdom | ≤ $997.60 | ≤ $4,988.00 | ≤ $9,976.00 |
- 1.Razorpay: Foreign card fee (Razorpay Curlec, Basic plan). curlec.com/pricing/, checked 17 Oct 2026.
- 2.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 card, line by line
Razorpay
- Foreign card fee (Razorpay Curlec, Basic plan)1$330.00
- Total$330.00
- You receive$9,670.00
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 Malaysia
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
In Malaysia, DuitNow handles fund transfers, QR payments and online shop payments, and PayNet sends each one to the central bank's RENTAS+ system to settle. RENTAS+ moves money between banks.
Source: www.bnm.gov.my, checked 17 Oct 2026.
Money rules
Bank Negara Malaysia says people and businesses in Malaysia are free to receive foreign currency payments from people and firms abroad for any purpose. The only exceptions are some kinds of derivatives.
Source: www.bnm.gov.my, checked 17 Oct 2026.
Changing money
People and businesses in Malaysia can change foreign currency into ringgit, or back, with a licensed onshore bank in Malaysia.
Source: www.bnm.gov.my, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 4.074 MYR (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 Malaysia.
Fees charged
- RazorpayYou receive $9,670.00$330.00
- Wise Business (standard price)No cards listed
- PlaytoYou receive $9,749.70$250.30
Side by side
Razorpay, Wise Business and Playto, in plain numbers
What adds to the cost with Razorpay and Wise Business
- Razorpay lists no bank transfer option for a client in the United States paying a business in Malaysia.
- All in, Razorpay takes $330.00 (3.3%) of a $10,000 card payment. Playto takes $250.30.
- 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 in Malaysia: questions
Is Playto cheaper than Razorpay and Wise Business in Malaysia?
Which costs less, Razorpay or Wise Business in Malaysia?
How does a business in Malaysia get paid from abroad?
Does Wise Business work in Malaysia?
Does Razorpay work in Malaysia?
How much does Razorpay charge on a $10,000 payment from the United States?
How much does Wise Business 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 Razorpay or Wise Business to Playto?
Get paid by global clients
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.