PlaytoFee comparison · Senegal · 2026
Razorpay vs Wise Business in Senegal: fees on $10,000, side by side
Razorpay's own country list does not include Senegal (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 Senegal, Playto takes $250.30 and adds zero markup, so you keep $9,749.70.
No monthly fees. No setup fees. Lowest price guarantee.
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 Senegal. 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 Senegal 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.
| 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 Kingdom | Not listed | Not listed | Not listed |
| 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.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 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 Senegal
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Currency
CFA franc BCEAO (XOF), shared by the West African Economic and Monetary Union (WAEMU).
Source: www.six-group.com, checked 17 Oct 2026.
Local bank payments
Bank transfers in CFA francs are cleared through SICA-UEMOA, the clearing system of the BCEAO (the regional central bank), for amounts up to 50 million CFA francs. Larger transfers must go through STAR-UEMOA.
Source: www.bceao.int, checked 17 Oct 2026.
Instant payments
Since 30 September 2025, the BCEAO's instant payment system PI-SPI works in all eight WAEMU countries. It was launched in Dakar.
Source: www.bceao.int, checked 17 Oct 2026.
Money rules
Under WAEMU Regulation 06/2024, businesses must collect and bring home, through an approved bank in their country, all the money from goods and services they sell abroad. Residents must sell to an approved bank all foreign currency income received from outside WAEMU or paid by a non-resident.
Source: cofeb.bceao.int, checked 17 Oct 2026.
Foreign currency accounts
A resident needs the prior approval of the Minister of Finance, after the BCEAO agrees, to open a foreign currency account at home or an account abroad.
Source: cofeb.bceao.int, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 573.75 XOF (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 Senegal.
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
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 Senegal: questions
Is Playto cheaper than Razorpay and Wise Business in Senegal?
Which costs less, Razorpay or Wise Business in Senegal?
How does a business in Senegal get paid from abroad?
Does Wise Business work in Senegal?
Does Razorpay work in Senegal?
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 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.