Stripe alternative · Malaysia · 2026

Stripe alternative in Malaysia: keep $9,749 of $10,000

The cheapest way in the world to get paid internationally.

On a $10,000 card payment from a client in the United States to a business in Malaysia, Stripe takes $600.25 in fees. Playto takes $250.30 and adds zero markup, so you keep $9,749.70. The table below also shows PayPal, Payoneer, Dodo Payments and Razorpay.

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Fees on $10,000 by card

  • StripeYou receive $9,399.75$600.25
  • 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.

Difference on $10,000
$349.95
By card, what reaches you with Playto compared with Stripe.
Stripe all in
6.0%
Of a $10,000 card payment.
Playto all in
2.5%
Of a $10,000 card payment.
Ways to pay
30+
From 170+ countries.
Client pays by card: what you receive
Provider$1,000$5,000$10,000
Playto$974.70$4,874.70$9,749.70
Stripe1$939.75$4,699.75$9,399.75
PayPal2$931.81$4,660.21$9,320.71
Payoneer3Fees not publishedFees not publishedFees not published
Dodo Payments4≤ $959.60≤ $4,799.60≤ $9,599.60
Razorpay5$967.00$4,835.00$9,670.00
Client pays by bank transfer: what you receive
Provider$1,000$5,000$10,000
Playto$995.00$4,995.00$9,995.00
StripeNot listedNot listedNot listed
PayPalNot listedNot listedNot listed
Payoneer3≤ $978.12≤ $4,890.60≤ $9,781.20
Dodo Payments4≤ $985.00≤ $4,985.00≤ $9,985.00
RazorpayNot listedNot listedNot listed
  1. 1.Stripe: Card fee (3.0%); Stripe: Fixed fee (MYR 1.00, converted at the ECB rate of 16 Oct 2026); Stripe: Fee for a card issued outside the country; Stripe: Currency conversion surcharge (USD to MYR). stripe.com/my/pricing, checked 17 Oct 2026.
  2. 2.PayPal: Payment fee for a client outside Malaysia; PayPal: Conversion to MYR above PayPal's base rate. www.paypal.com/my/business/paypal-business-fees, checked 17 Oct 2026.
  3. 3.Payoneer: Card payment fee, up to 3.99% + USD 0.49 (exact rate not published); Payoneer: Withdrawal fee in MYR 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. 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. 5.Razorpay: Foreign card fee (Razorpay Curlec, Basic plan). curlec.com/pricing/, checked 17 Oct 2026.

Where the money goes

$10,000 by card, line by line

Stripe

  • Card fee (3.0%)1$300.00
  • Fixed fee (MYR 1.00, converted at the ECB rate of 16 Oct 2026)1$0.25
  • Fee for a card issued outside the country1$100.00
  • Currency conversion surcharge (USD to MYR)1$200.00
  • Total$600.25
  • You receive$9,399.75

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.

Currency

Malaysian ringgit (MYR).

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

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.

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

Fees charged

  • StripeYou receive $9,399.75$600.25
  • PlaytoYou receive $9,749.70$250.30

Side by side

Stripe and Playto, in plain numbers

What adds to the cost with Stripe

  • Stripe lists no bank transfer option for a client in the United States paying a business in Malaysia.
  • By card, Stripe adds 2% when it changes the money to MYR: $200.00 on $10,000.
  • All in, Stripe takes $600.25 (6.0%) of a $10,000 card payment. Playto takes $250.30.

When Stripe 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 Stripe 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

Stripe alternative in Malaysia: questions

Is Playto cheaper than Stripe in Malaysia?
Yes, at every amount from $1,000 to $50,000 we checked, by card, for a client in the United States paying a business in Malaysia. On $10,000 by card, Stripe takes $600.25 and Playto takes $250.30. Taxes are not included.
What are the alternatives to Stripe for a business in Malaysia?
On a $10,000 card payment from a client in the United States to a business in Malaysia: PayPal takes $679.29; Dodo Payments takes at least $400.40; Razorpay takes $330.00; Playto takes $250.30. Each number comes from the provider's own pricing page. Payoneer doesn't publish a card fee for this case.
How does a business in Malaysia 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 Stripe work in Malaysia?
Stripe's own country list includes Malaysia (stripe.com, checked 22 Oct 2026).
How much does Stripe charge on a $10,000 payment from the United States?
By card, Stripe takes $600.25 on $10,000, so $9,399.75 reaches a business in Malaysia. The biggest fees are the $300.00 card fee (3.0%) and the $200.00 currency conversion surcharge. Every fee is listed on this page, with its source. These numbers come from Stripe's own pricing pages, checked 17 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 do I move from Stripe 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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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.

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