PlaytoStripe alternative · China · 2026
Stripe alternative in China: fees on $10,000, side by side
Stripe's own country list does not include China (stripe.com, checked 22 Oct 2026). Stripe's standard published price, for a client in the United States paying a business in Hong Kong, comes to $590.30 on a $10,000 card payment. For a business in China, Playto takes $250.30 and adds zero markup, so you keep $9,749.70. The table also shows PayPal, Payoneer, Dodo Payments and Paddle, checked for a business in China.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by card
- StripeStandard published price, another country$590.30
- 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 China. All fees included. Taxes not included. Stripe's numbers here are its standard published price, for a client in the United States paying a business in Hong Kong. We don't have a separate Stripe price for a business in China on file.
- With Playto you receive
- $9,749.70
- On a $10,000 card payment.
- Stripe all in
- 5.9%
- Standard published price, business in Hong Kong.
- 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 |
| Stripe1Standard published price: client in the United States, business in Hong Kong | $940.70 | $4,704.70 | $9,409.70 |
| PayPal2 | ≤ $920.70 | ≤ $4,744.70 | ≤ $9,524.70 |
| Payoneer3 | Fees not published | Fees not published | Fees not published |
| Dodo Payments4 | ≤ $959.60 | ≤ $4,799.60 | ≤ $9,599.60 |
| Paddle5,6 | ≤ $949.50 | ≤ $4,749.50 | ≤ $9,499.50 |
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $995.00 | $4,995.00 | $9,995.00 |
| Stripe1Standard published price: client in the United States, business in Hong Kong | Not listed | Not listed | Not listed |
| PayPal | Not listed | Not listed | Not listed |
| Payoneer3 | ≤ $978.12 | ≤ $4,890.60 | ≤ $9,781.20 |
| Dodo Payments4 | ≤ $985.00 | ≤ $4,985.00 | ≤ $9,985.00 |
| Paddle6,7 | ≤ $965.00 | ≤ $4,825.00 | ≤ $9,650.00 |
- 1.Stripe: Card fee (3.4%); Stripe: Fixed fee (HKD 2.35, converted at the ECB rate of 16 Oct 2026); Stripe: Fee for a card issued outside the country; Stripe: Currency conversion surcharge (USD to HKD). stripe.com/hk/pricing, checked 17 Oct 2026.
- 2.PayPal: Payment fee (PayPal standard rate); PayPal: Wire withdrawal fee to a bank in mainland China. www.paypal.com/cn/business/paypal-business-fees?locale.x=en_CN, checked 17 Oct 2026.
- 3.Payoneer: Card payment fee, up to 3.99% + USD 0.49 (exact rate not published); Payoneer: Withdrawal fee in CNY with currency conversion (1.2% to 4%; we count the lowest); Payoneer: Fee for receiving USD into a USD receiving account (1%, minimum USD 1.00). www.payoneer.com/pricing/, checked 17 Oct 2026.
- 4.Dodo Payments: Card or wallet fee; Dodo Payments: ACH Direct Debit fee (charged instead of the card fee). dodopayments.com/pricing, checked 17 Oct 2026.
- 5.Paddle: Paddle Checkout fee. www.paddle.com/pricing, checked 17 Oct 2026.
- 6.Paddle: Conversion of your USD balance to CNY when it sends the money, up to 1.5% (not published). www.paddle.com/help/manage/get-paid/is-there-a-fee-taken-for-payouts, checked 17 Oct 2026.
- 7.Paddle: Fee on a Paddle invoice paid by bank transfer. www.paddle.com/legal/terms, checked 17 Oct 2026.
Where the money goes
$10,000 by card, line by line
Stripe: standard published price (business in Hong Kong, paid out in HKD)
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 China
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
Bank transfers in China use CNAPS, operated by the China National Clearing Center of the People's Bank of China. Its High Value Payment System sends large and urgent payments one by one, and its Bulk Electronic Payment System handles smaller payments in batches.
Source: www.cncc.cn, checked 17 Oct 2026.
Money rules
China's State Administration of Foreign Exchange (SAFE) says that since the 2008 Foreign Exchange Regulations, companies and people may keep the foreign currency they earn, following the rules, or sell it to banks.
Source: www.safe.gov.cn, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 6.705 CNY (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 China.
Fees charged
- Stripe (standard price)You receive $9,409.70$590.30
- PlaytoYou receive $9,749.70$250.30
Side by side
Stripe and Playto, in plain numbers
What adds to the cost with Stripe
- By card, Stripe adds 2% when it changes the money to HKD (standard published price, business in Hong Kong): $200.00 on $10,000.
- All in, Stripe takes $590.30 (5.9%) of a $10,000 card payment (standard published price, business in Hong Kong). Playto takes $250.30.
Getting started
Get paid with Playto 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
Stripe alternative in China: questions
Is Playto cheaper than Stripe in China?
What are the alternatives to Stripe for a business in China?
How does a business in China get paid from abroad?
Does Stripe work in China?
How much does Stripe charge on a $10,000 payment from the United States?
How much does Playto cost?
How do I start getting paid with Playto?
Keep comparing
Related pages
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.