Fee comparison · Nigeria · 2026

Stripe vs Wise Business in Nigeria: fees on $10,000, side by side

Stripe's standard published price, for a client in the United States paying a business in India, comes to $630.00 on a $10,000 card payment. Wise Business' standard published price (business in the United Kingdom) lists no card option; by bank transfer it takes at least $24.00. Some of its fees are not published. For a business in Nigeria, Playto takes $250.30 and adds zero markup, so you keep $9,749.70. Cards cost 2.5% + $0.30. Bank transfers are never more than $5.

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Fees on $10,000 by card

  • StripeStandard published price, another country$630.00
  • 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 Nigeria. 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 India. We don't have a separate Stripe price for a business in Nigeria 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.
Stripe all in
6.3%
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
Stripe1Standard published price: client in the United States, business in India$937.00$4,685.00$9,370.00
Wise Business2Standard 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
Stripe1Standard published price: client in the United States, business in IndiaNot listedNot listedNot listed
Wise Business2Standard published price: client in the United States, business in the United Kingdom≤ $997.60≤ $4,988.00≤ $9,976.00
  1. 1.Stripe: Fee for an international card charged in USD; Stripe: Currency conversion surcharge (USD to INR). stripe.com/in/pricing, checked 17 Oct 2026.
  2. 2.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

Stripe: standard published price (business in India, paid out in INR)

  • Fee for an international card charged in USD1$430.00
  • Currency conversion surcharge (USD to INR)1$200.00
  • Total$630.00
  • You receive$9,370.00

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 Nigeria

The basics, with sources

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

Currency

Naira (NGN).

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

Local bank payments

NIBSS Instant Payments (NIP) moves money between bank accounts in Nigeria, for people and businesses. NIBSS is owned by all licensed banks, including the Central Bank of Nigeria.

Source: nibss-plc.com.ng, checked 17 Oct 2026.

Exchange rate

In 2023, the Central Bank of Nigeria joined its currency markets into one, the Nigerian Foreign Exchange Market (NFEM), where buyers and sellers agree the rate. Since 2016, the naira's value between banks has mostly been set by supply and demand.

Source: www.cbn.gov.ng, checked 17 Oct 2026.

Exchange rate, for scale

1 USD = 1,326.78 NGN (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 Nigeria.

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

Fees charged

  • Stripe (standard price)You receive $9,370.00$630.00
  • Wise Business (standard price)No cards listed
  • PlaytoYou receive $9,749.70$250.30

Side by side

Stripe, Wise Business and Playto, in plain numbers

What adds to the cost with Stripe and Wise Business

  • By card, Stripe adds 2% when it changes the money to INR (standard published price, business in India): $200.00 on $10,000.
  • All in, Stripe takes $630.00 (6.3%) of a $10,000 card payment (standard published price, business in India). Playto takes $250.30.
  • 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.

Switching

Move from Stripe or 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

Stripe vs Wise Business in Nigeria: questions

Is Playto cheaper than Stripe and Wise Business in Nigeria?
We can't say Playto is cheaper here. We checked Stripe's standard published price for a business in India and Wise Business' for a business in the United Kingdom, not for Nigeria. On those prices, Stripe takes $630.00 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, Stripe or Wise Business in Nigeria?
We can't say which costs less here: Stripe'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 Nigeria 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 Nigeria?
By its own list, Wise Business works in Nigeria. The list names 21 places Wise Business doesn't serve, and Nigeria is not one of them (wise.com, checked 18 Oct 2026).
Does Stripe work in Nigeria?
Stripe's own country list includes Nigeria, marked "Extended network" (stripe.com, checked 22 Oct 2026).
How much does Stripe charge on a $10,000 payment from the United States?
By card, Stripe takes $630.00 on $10,000, so $9,370.00 reaches a business in India. Its fees are the $430.00 fee for an international card charged in USD and the $200.00 currency conversion surcharge. This is its standard published price. These numbers come from Stripe'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 Stripe or 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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