PlaytoWise Business alternative · Ghana · 2026
Wise Business alternative in Ghana: fees on $10,000, side by side
Wise Business' standard published price, for a client in the United States paying a business in the United Kingdom, comes to at least $24.00 on a $10,000 bank transfer payment. Some of its fees are not published. For a business in Ghana, Playto takes $5.00 and adds zero markup, so you keep $9,995.00. The table also shows Dodo Payments, Lemon Squeezy, Paddle and Paystack, checked for a business in Ghana.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by bank transfer
- Wise BusinessStandard published price, another country≥ $24.00
- PlaytoYou receive $9,995.00$5.00
The numbers
What lands in your bank
Example payments from a client in the United States to a business in Ghana. All fees included. Taxes not included. Wise Business' numbers here are its standard published price, for a client in the United States paying a business in the United Kingdom. We don't have a separate Wise Business price for a business in Ghana on file.
- With Playto you receive
- $9,995.00
- On a $10,000 bank transfer.
- Wise Business all in
- ≥ $24.00
- Standard published price, business in the United Kingdom.
- Playto all in
- $5.00
- On a $10,000 bank transfer.
- Ways to pay
- 30+
- From 170+ countries.
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $974.70 | $4,874.70 | $9,749.70 |
| Wise Business1Standard published price: client in the United States, business in the United Kingdom | Not listed | Not listed | Not listed |
| Dodo Payments2 | ≤ $959.60 | ≤ $4,799.60 | ≤ $9,599.60 |
| Lemon Squeezy3,4 | $940.00 | $4,702.00 | $9,404.50 |
| Paddle5,6 | ≤ $934.50 | ≤ $4,734.50 | ≤ $9,484.50 |
| Paystack8 | $980.50 | $4,902.50 | $9,805.00 |
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $995.00 | $4,995.00 | $9,995.00 |
| Wise Business1Standard published price: client in the United States, business in the United Kingdom | ≤ $997.60 | ≤ $4,988.00 | ≤ $9,976.00 |
| Dodo Payments2 | ≤ $985.00 | ≤ $4,985.00 | ≤ $9,985.00 |
| Lemon Squeezy4 | $940.00 | $4,702.00 | $9,404.50 |
| Paddle6,7 | ≤ $950.00 | ≤ $4,810.00 | ≤ $9,635.00 |
| Paystack | Not listed | Not listed | Not listed |
- 1.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.
- 2.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.
- 3.Lemon Squeezy: Platform fee. www.lemonsqueezy.com/pricing, checked 17 Oct 2026.
- 4.Lemon Squeezy: Transfer fee to a bank outside the US; Lemon Squeezy: Platform fee (same for ACH bank debits). docs.lemonsqueezy.com/help/getting-started/fees, checked 17 Oct 2026.
- 5.Paddle: Paddle Checkout fee. www.paddle.com/pricing, checked 17 Oct 2026.
- 6.Paddle: SWIFT transfer fee for USD to your bank (one a month). 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.
- 8.Paystack: International card fee. support.paystack.com/en/articles/2130306, checked 17 Oct 2026.
Where the money goes
$10,000 by bank transfer, line by line
Wise Business: standard published price (business in the United Kingdom, paid out in GBP)
- Receiving USD from a US client by ACH into your Wise USD account details1Free
- Wise conversion fee from USD to GBP (varies by currency, from 0.24%)1$24.00
- Keeping the GBP in your Wise Business account, which has UK account details1Free
- Total (at least)$24.00
- You receive (at most)$9,976.00
Some fees on this route aren't published, so this is the least it can cost.
Playto
- Bank transfer fee$5.00
- Total$5.00
- You receive$9,995.00
Prices from playto.so/pricing. Playto adds zero markup.
Getting paid in Ghana
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
GhIPSS Instant Pay (GIP) sends money from one bank account to another in Ghana as a single payment. GhIPSS is fully owned by the Bank of Ghana.
Source: ghipss.net, checked 17 Oct 2026.
Money rules
The Bank of Ghana says the cedi is the only legal tender in Ghana. You may send foreign currency invoices only to foreign nationals or to clients who live outside Ghana, and the money must be paid into a Foreign Exchange Account (FEA) at a licensed bank.
Source: www.bog.gov.gh, checked 17 Oct 2026.
Exchange rate on invoices
The exchange rate on a foreign currency invoice must match the banks' market rates and be checked against the Bank of Ghana's published reference rate.
Source: www.bog.gov.gh, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 11.69 GHS (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 Ghana.
Fees charged
- Wise Business (standard price)You receive $9,976.00 at most≥ $24.00
- PlaytoYou receive $9,995.00$5.00
Side by side
Wise Business and Playto, in plain numbers
What adds to the cost with Wise Business
- 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). Playto takes $5.00.
- 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
Wise Business alternative in Ghana: questions
Is Playto cheaper than Wise Business in Ghana?
What are the alternatives to Wise Business for a business in Ghana?
How does a business in Ghana get paid from abroad?
Does Wise Business work in Ghana?
How much does Wise Business charge on a $10,000 payment from the United States?
How much does Playto cost?
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.