PlaytoShopify Payments alternative · Japan · 2026
Shopify Payments alternative in Japan: fees on $10,000, side by side
Shopify Payments' standard published price, for a client in the United States paying a business in Canada, comes to $384.81 on a $10,000 card payment. For a business in Japan, Playto takes $250.30 and adds zero markup, so you keep $9,749.70. The table also shows Stripe, PayPal, Square and Payoneer, checked for a business in Japan.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by card
- Shopify PaymentsStandard published price, another country$384.81
- 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 Japan. All fees included. Taxes not included. Shopify Payments' numbers here are its standard published price, for a client in the United States paying a business in Canada. We don't have a separate Shopify Payments price for a business in Japan on file.
- With Playto you receive
- $9,749.70
- On a $10,000 card payment.
- Shopify Payments all in
- 3.8%
- Standard published price, business in Canada.
- Playto all in
- 2.5%
- Of a $10,000 card payment.
- Ways to pay
- 30+
- From 170+ countries.
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $974.70 | $4,874.70 | $9,749.70 |
| Shopify Payments1Standard published price: client in the United States, business in Canada | $930.19 | $4,790.19 | $9,615.19 |
| Stripe2 | $944.00 | $4,720.00 | $9,440.00 |
| PayPal3 | $929.94 | $4,650.86 | $9,302.01 |
| Square4 | $967.50 | $4,837.50 | $9,675.00 |
| Payoneer5,6 | Fees not published | Fees not published | Fees not published |
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $995.00 | $4,995.00 | $9,995.00 |
| Shopify Payments1Standard published price: client in the United States, business in Canada | Not listed | Not listed | Not listed |
| Stripe | Not listed | Not listed | Not listed |
| PayPal | Not listed | Not listed | Not listed |
| Square | Not listed | Not listed | Not listed |
| Payoneer5,6 | ≤ $993.50 | ≤ $4,973.50 | ≤ $9,948.50 |
- 1.Shopify Payments: Online international card rate on the Basic plan; Shopify Payments: Fixed fee (CAD 0.30, converted at the ECB rate of 16 Oct 2026); Shopify Payments: Shopify Basic plan, needed to use Shopify Payments (CAD 49 a month billed monthly, CAD 37 a month billed yearly; CAD 49 converted at the ECB rate of 16 Oct 2026). www.shopify.com/ca/pricing, checked 18 Oct 2026.
- 2.Stripe: Card fee (3.6%); Stripe: Currency conversion surcharge (USD to JPY). stripe.com/en-jp/pricing, checked 17 Oct 2026.
- 3.PayPal: Payment fee (PayPal standard rate); PayPal: Extra fee for a client outside Japan; PayPal: Conversion to JPY above PayPal's base rate. www.paypal.com/jp/business/paypal-business-fees, checked 17 Oct 2026.
- 4.Square: Square Invoices card fee. squareup.com/jp/ja/pricing, checked 17 Oct 2026.
- 5.Payoneer: Card payment fee, up to 3.99% + USD 0.49 (exact rate not published); Payoneer: Conversion fee from USD to JPY between Payoneer balances (0.5%); Payoneer: Withdrawal fee in JPY to a bank in Japan (USD 1.50). www.payoneer.com/pricing/, checked 17 Oct 2026.
- 6.Payoneer: Receiving USD by local bank transfer (free for customers in Japan). www.payoneer.com/en-in/multi-currency-account/, checked 17 Oct 2026.
Where the money goes
$10,000 by card, line by line
Shopify Payments: standard published price (business in Canada, paid out in CAD)
- Online international card rate on the Basic plan1$350.00
- Fixed fee (CAD 0.30, converted at the ECB rate of 16 Oct 2026)1$0.21
- Shopify Basic plan, needed to use Shopify Payments (CAD 49 a month billed monthly, CAD 37 a month billed yearly; CAD 49 converted at the ECB rate of 16 Oct 2026)1$34.60
- Total$384.81
- You receive$9,615.19
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 Japan
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
Bank transfers inside Japan go through the Zengin System, the nationwide online network for domestic retail funds transfers. Large-value Zengin payments have settled on the Bank of Japan's BOJ-NET since 2011.
Source: www.boj.or.jp, checked 17 Oct 2026.
Reporting
Under Japan's Foreign Exchange and Foreign Trade Act, a resident who gets a payment of more than 30 million yen from abroad through a bank may need to file a report on it. A paper report goes to that bank within 10 days, or an online report goes to the Bank of Japan within 20 days.
Source: www.boj.or.jp, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 157.09 JPY (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 Japan.
Fees charged
- Shopify Payments (standard price)You receive $9,615.19$384.81
- PlaytoYou receive $9,749.70$250.30
Side by side
Shopify Payments and Playto, in plain numbers
What adds to the cost with Shopify Payments
- Shopify Payments has a monthly plan fee of $34.60. We count it once, as if you get paid once a month.
- All in, Shopify Payments takes $384.81 (3.8%) of a $10,000 card payment (standard published price, business in Canada). Playto takes $250.30.
When Shopify Payments 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 Shopify Payments 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
Shopify Payments alternative in Japan: questions
Is Playto cheaper than Shopify Payments in Japan?
What are the alternatives to Shopify Payments for a business in Japan?
How does a business in Japan get paid from abroad?
Does Shopify Payments work in Japan?
How much does Shopify Payments charge on a $10,000 payment from the United States?
How much does Playto cost?
How do I move from Shopify Payments 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.