Accept Visa payments
from anywhere in the world

One checkout for cards, wallets, instalments, and bank transfers, at flat 4% + $0.40.

Settled to your local bank in under 7 days. No setup fee, no monthly fee.
Payment receivedPaid
+$5,400.00
Acme Studio · United States · Visa
Fee · 4% + $0.40−$216.40
Net settled$5,183.60
Brand retainerNorthwind Design · monthly
$2,500.00 / mo
Active
Visa•• 4242on file
Autopay on · next charge Aug 1
Payout to your bank14 payments
$16,780.00
≈ ₹13,97,800 · no forex markup
Local bank · arrives in 5 days
160+
Countries
800+
Businesses on Playto
20+
Payment methods
95%+
Checkout success rate

If they can pay with it,
you can accept it

Cards, wallets, BNPL, UPI, net banking, and bank transfers, all in one checkout.

Visa
PayPal
Apple Pay
Klarna
Mastercard
Google Pay
Afterpay
Cash App
Amex
Affirm
UPI
Credit Card EMI
Net banking
Bank & wire transfer

Every other option forces
a bad tradeoff

Getting paid from the US, UK, or EU as an agency or freelancer in an emerging market means picking your poison.

Account applicationDeclined
Foreign entity required to continue
Gated out

Stripe gates new businesses here, and the workaround is a costly foreign entity.

Invoice$10,000.00
Base fee-$540.00
Forex markup-$380.00
Holds and reserve-$180.00
Reaches you$8,900.00
Taxed twice

PayPal's real cost lands at 8 to 11% once forex and holds stack up.

How would you like to pay?
Bank transfer
Pay with cardUnavailable
A bank account that cannot sell

Wise and Skydo are cheap for wires, but cannot take a card or run autopay.

Playto is the checkout that sits in that gap
One link takes every method, then settles to your local bank.

Four ways to get paid,
one platform

One checkout for every method

Your client opens one link and pays however they already pay, no account needed.

VisaPayPalApple PayKlarna+ 46 more
Autopay for retainers

Your client approves once, then the retainer charges itself every month.

Brand retainer · $4,000/moActive
Next charge Jul 1 · approved by client on Jan 12
Instalments for big projects

Your client pays monthly, you receive the full amount on day one.

Client pays$833/mo × 12
You receive, day one$10,000.00
BNPL 10% + $0.40, Card EMI 15% + $0.40. The provider funds your client and carries the risk.
Virtual accounts for large wires

Account details in your business name across the US, EU, and UAE, at 1% per transfer.

🇺🇸 US account · ACH and wire1%
Routing 0210•••• · Account 83••••••12

Live in three steps, no code

1
Sign up and verify
Most businesses are approved in under an hour.
2
Create a payment link
10 seconds, no code. Share it on WhatsApp, email, or an invoice.
3
Get paid
The money lands in your local bank account in under 7 days.

Sell digital products on the same rails

Build courses, communities, and memberships, and sell them through the same checkout.

CoursesCommunitiesMembershipsWebinarsMini products
DSDesign Sprint Course128 students
$149 one time
Buy now

Simple pricing, nothing hidden in forex

No setup fee. No monthly fee. No forex markup buried in the rate. You pay when you get paid.

Cards and wallets
4% + $0.40
Here is exactly what you keep on a $10,000 invoice.
Invoice$10,000.00
Playto fee 4% + $0.40-$400.40
You keep$9,599.60
Virtual account transfers
1%
per transaction
Wires and ACH into your US, EU, and UAE virtual accounts.
BNPL
10% + $0.40
per transaction
Klarna, Afterpay, Affirm fund your client and carry the risk. You are paid in full up front.
Credit Card EMI
15% + $0.40
per transaction
Your client splits it on their credit card. The provider carries the risk and you are paid in full up front.

An honest comparison

For a plain B2B wire, Wise and Skydo are genuinely cheaper. For everything else a real business needs, here is how it lands.

True cost per invoice
Who gets approved
Cards & wallets
Autopay & instalments
Playto
4% + $0.40, all in
Approved in under an hour
Stripe
~3% + forex spread
Gates new Indian businesses, foreign entity needed
PayPal
8 to 11% with forex and holds
Open, frequent holds
Account required
Limited
Wise · Skydo
1 to 2%, cheapest for wires
Open
Paddle · Lemon Squeezy
~5% + $0.50 and up
Digital products only, services rejected
Subscriptions only
Whop
~3% + marketplace fees
Creator and community focus
Subscriptions only
Competitor figures are approximate published rates. Full breakdowns will live on the dedicated compare pages.

Agencies and freelancers,
in their words

PayPal was quietly taking about 9% once you count the forex spread. We put our retainers on autopay, clients get charged every month, and the full amount lands in our Mumbai account in under a week.

RSRohan S.Agency founder, Mumbai

Stripe wanted a US entity we didn't have. Playto approved us the same afternoon, and now our American clients just pay by card or Apple Pay. AED settles to our bank at a flat 4%.

DWDaniel W.Studio owner, Dubai

Clients used to wire us and it took ten days with fees on both ends. Now they pay monthly on Klarna while we get the full €9,000 up front, settled in euros the same week.

LHLuka H.Dev studio lead, Zagreb

Got questions?

Cards and wallets are 4% + $0.40 per transaction. Virtual bank account transfers are 1%. BNPL through Klarna, Afterpay, or Affirm is 10% + $0.40, and Credit Card EMI is 15% + $0.40. No setup fee, no monthly fee, no forex markup hidden in the rate.

Payouts land in your local bank account in under 7 days from the payment. You see the status of every payout in your dashboard.

No. They open your link and pay with whatever they already use. Card, Apple Pay, Google Pay, PayPal, Klarna, UPI, or a bank transfer. No signup on their side.

The instalment provider funds your client and carries the repayment risk. Your client pays them monthly. You receive the full amount on day one. The fee for this is 10% + $0.40 for BNPL and 15% + $0.40 for Credit Card EMI, and it is shown to you before you enable the method.

Agencies, freelancers, and digital businesses in India and other emerging markets that collect money from international clients. Service businesses are welcome. Most accounts are verified and approved in under an hour.

All major cards, Apple Pay, Google Pay, PayPal, Cash App, Klarna, Afterpay, Affirm, Credit Card EMI, UPI, net banking, and bank and wire transfers. 50+ methods, with clients paying from 160+ countries.

Read more FAQs

Your clients are ready to pay.
Stop losing 6 to 12% getting it home.

Set up in under an hour. Flat 4% + $0.40 on cards and wallets.