PlaytoZero markup pricing.
The most you’ll ever pay. As we grow, prices only go down.
All major cards and wallets.
No matter how big the invoice.
Lowest price, guaranteed.
Found a lower price for the same payment? Show us. We’ll work to bring the price down for everyone.
Show us a lower pricePrices only go down.
Most payment platforms charge more as they grow. We charge less. Every better rate we get goes to you.
See our price cutsYour price keeps going down.
When more good businesses join, banks give us better rates. We pass every cent to you. Invite a business you trust, and everyone’s price drops.
Invite a businessEvery price, on one page.
Each price is the full price. Nothing gets added on top.
Cards and wallets
Cards from outside the US may cost a bit more.
| Payment method | Fee | Fixed fee |
|---|---|---|
Credit and debit cardsVisa, Mastercard, American Express, Discover and Diners Club. | Fee2.7% | Fixed fee$0.30 |
WalletsApple Pay, Google Pay and Cash App Pay. | Fee2.7% | Fixed fee$0.30 |
Buy now, pay later
Your client pays in parts. Subject to approval.
| Payment method | Fee | Fixed fee |
|---|---|---|
AffirmYour client pays over time, in monthly payments. | Fee3.5% | Fixed fee$0.30 |
AfterpayYour client pays in four parts. | Fee6% | Fixed fee$0.30 |
Bank transfers
Your client pays straight from their bank.
| Payment method | Fee | Fixed fee |
|---|---|---|
Bank transfer (ACH)From a US bank account. Even a $20,000 payment costs $5 at most. | FeeUp to $5 | Fixed fee$0 |
Payment services
Optional tools you can turn on.
| Payment method | Fee | Fixed fee |
|---|---|---|
Subscription billingCharge clients on their own, like every month. | Fee+1% | Fixed fee$0 |
Usage-based billingBill clients for how much they use. | Fee+1% | Fixed fee$0 |
Payment orchestrationWe send each payment the best way, so more of them go through. | Fee+1% | Fixed fee$0 |
3D SecureYour client’s bank checks it’s really them. Per check. | Fee0% | Fixed fee$0.03 |
Advanced fraud screeningExtra fraud checks. Per payment checked. | Fee0% | Fixed fee$0.07 |
Card updaterKeeps saved cards up to date. Per card updated. | Fee0% | Fixed fee$1.00 |
Failed card attemptWhen a card payment fails and the bank still bills for it. | Fee0% | Fixed fee$1.00 |
As our costs go down, we cut these prices too.
Refunds and disputes
When a payment is refunded or disputed.
| What happens | Fee | Fixed fee |
|---|---|---|
RefundPer refund you give a client. | Fee0% | Fixed fee$5.00 |
DisputeWhen a client asks their bank to take back a payment. Win or lose. | Fee0% | Fixed fee$50.00 |
Early dispute resolutionWhen a dispute is settled early with an automatic refund. | Fee0% | Fixed fee$50.00 |
Retrieval requestWhen a client’s bank asks for proof of a payment. | Fee0% | Fixed fee$25.00 |
Returned bank transferWhen a client’s bank transfer bounces or is rejected. | Fee0% | Fixed fee$50.00 |
Money won back after a lost disputeOnly on money we get back from your client for you. | Fee50% | Fixed fee$0 |
The original payment fee isn’t given back on a refund or dispute.
Others charge for these. We don’t.
All of these cost $0 with Playto, on every payment.
Monthly fee
No plan to pay for.
Setup fee
Nothing to pay to get started.
Activation fee
Nothing to pay to open your account.
Monthly minimum
No minimum amount to process.
Amex, Discover and Diners
Same price as any other card.
Business cards
Company cards cost the same as any card.
Apple Pay and Google Pay
Same price as a card.
Payment links
Send as many as you like.
Our prices only go down.
| Price | Market standard | Playto, before and now |
|---|---|---|
| Cards | Market standard: 4% to 5.5% + $0.40 | 4% + $0.502.7% + $0.30 |
| Wallets | Market standard: 4% to 7% + $0.40 | 5% + $0.502.7% + $0.30 |
| Buy now, pay later | Market standard: 7% to 15% | 17.5% + $0.50From 3.5% + $0.30 |
| Bank transfers | Market standard: 1% or more, no cap | $10 minimumUp to $5 |
Keep more of every $10,000.
Your US client pays you $10,000. Here’s what lands in your bank in India.
On one $10,000 payment
| How your client pays | Playto | PayPal | Payoneer | Wise |
|---|---|---|---|---|
| Client pays by card | Playto$9,750 | PayPal$9,273 | Payoneer$9,216 to $9,505 | WiseNot offered |
| Client pays by bank | Playto$9,995 | PayPal$9,273 | Payoneer$9,504 to $9,801 | Wise$9,796 |
Try your own amount.
Pick an amount and how your client pays.
After fees, you keep
- Playto$9,729.70
- PayPal$9,272.91
- Payoneer$9,216.49
- WiseDoesn't take cards
Frequently asked questions
Get started
Create your account. No monthly fee, no setup fee, nothing to pay upfront.
Start getting paidWhite-glove setup
Big team or lots of payments? Our team helps you move over and get set up. Everyone still gets the same lowest price.
Talk to our team