Fee comparison · Nepal · 2026

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

Razorpay's own country list does not include Nepal (razorpay.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. Wise Business' standard published price (business in the United Kingdom) lists no card option; by bank transfer it takes at least $24.00. Not all of its fees are published either. For a business in Nepal, 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
  • 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 Nepal. 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 India. We don't have a separate Razorpay price for a business in Nepal on file. Wise Business' numbers here are its standard published price, for a client in the United States paying a business in the United Kingdom.

With Playto you receive
$9,749.70
On a $10,000 card payment.
Razorpay all in
3.0%+
Standard published price, business in India.
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.
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
Wise Business3Standard published price: client in the United States, business in the United KingdomNot listedNot listedNot 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
Razorpay2Standard published price: client in the United States, business in India$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. 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.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: 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.

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 Nepal

The basics, with sources

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

Currency

Nepalese rupee (NPR).

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

Local bank payments

connectIPS, run by Nepal Clearing House Limited (NCHL), lets bank customers make instant payments by mobile app or website. Nepal Rastra Bank owns and runs the RTGS system for large, urgent payments.

Source: www.nrb.org.np, checked 17 Oct 2026.

Exchange rate

Nepal Rastra Bank keeps the Nepalese rupee pegged to the Indian rupee. Its 2025/26 monetary policy kept this peg unchanged.

Source: www.nrb.org.np, checked 17 Oct 2026.

Exchange rate, for scale

1 USD = 153.33 NPR (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 Nepal.

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

Fees charged

  • Razorpay (standard price)You receive $9,700.00 at most≥ $300.00
  • 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

  • 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 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.

When Wise Business is still the right choice

  • You want to keep the money in US dollars and not change it. An account that holds foreign money may suit you better.

Switching

Move from Wise Business 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 Wise Business in Nepal: questions

Is Playto cheaper than Razorpay and Wise Business in Nepal?
We can't say Playto is cheaper here. We checked Razorpay's standard published price for a business in India and Wise Business' for a business in the United Kingdom, not for Nepal. On those prices, Razorpay takes at least $300.00 on $10,000 by card and Wise Business takes at least $24.00 on $10,000 by bank transfer. On $10,000, Playto takes $250.30 by card and $5.00 by bank transfer. Taxes are not included.
Which costs less, Razorpay or Wise Business in Nepal?
We can't say which costs less here: Razorpay's number is its standard published price for a business in India and Wise Business' number is its standard published price for a business in the United Kingdom, which lists no card option. Playto takes $250.30 on $10,000 by card.
How does a business in Nepal 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 Wise Business work in Nepal?
By its own list, Wise Business works in Nepal. The list names 21 places Wise Business doesn't serve, and Nepal is not one of them (wise.com, checked 18 Oct 2026).
Does Razorpay work in Nepal?
Razorpay's own country list does not include Nepal (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 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 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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