Playto Pay's pricing is simpler than most payment gateways — no monthly fees, no hidden charges, no forex markups. This guide explains every component with real examples so you know exactly what you'll pay.
Playto Pay Fee Structure
| Payment Type | Fee | Forex Markup | Settlement |
|---|---|---|---|
| International cards (Visa/Mastercard/Amex) | 4% flat | 0% | Daily INR |
| Apple Pay / Google Pay (international) | 4% flat | 0% | Daily INR |
| BNPL (Klarna / Afterpay) | 10% flat | 0% | Daily INR |
| CC EMI | 15% flat | 0% | Daily INR |
| VBA wire (USD/GBP/EUR/AED) | 1% flat | 0% | Daily INR |
| UPI (Indian buyers) | 0% | N/A | Daily INR |
| Monthly platform fee | ₹0 | — | — |
| Setup fee | ₹0 | — | — |
| FIRA generation | ₹0 | — | Auto per txn |
Real Examples: What You Actually Pay
Example 1: US Agency Client, $3,000 Monthly Retainer (Wire)
- Invoice amount: $3,000 USD
- Payment method: USD VBA wire
- Fee: 1% = $30
- INR received (at 83.40 mid-market): ₹24,96,300
- FIRA: Auto-generated
- Settlement: Next business day INR
Example 2: UK Individual, £500 Online Course (Card)
- Invoice amount: £500 GBP
- Payment method: Visa card
- Fee: 4% = £20
- INR received (at ~106 mid-market): ₹51,240
- FIRA: Auto-generated
- Settlement: Next business day INR
Example 3: UAE Corporate Client, AED 15,000 Project Fee (VBA)
- Invoice amount: AED 15,000
- Payment method: AED VBA wire
- Fee: 1% = AED 150
- INR received (at ~22.7 mid-market): ₹3,37,770
- FIRA: Auto-generated
- Settlement: Next business day INR
Example 4: US Individual, $1,200 Yoga Retreat (BNPL)
- Invoice amount: $1,200 USD
- Payment method: Klarna (BNPL)
- Fee: 10% = $120
- INR received: ₹90,288
- Settlement: Playto Pay receives full $1,080 immediately; your client pays Klarna in 3 installments
True All-In Cost: Playto Pay vs Alternatives
On a $1,000 International Card Payment
| Gateway | Stated Rate | Forex Markup | True Cost | You Receive |
|---|---|---|---|---|
| Playto Pay | 4% | 0% | $40 | $960 |
| Razorpay International | 3% | ~1.3% | ~$43 | ~$957 |
| Cashfree International | 3.5% | ~1.2% | ~$47 | ~$953 |
| PayPal | 4.4%+$0.30 | ~3% | ~$73 | ~$927 |
On a $1,000 VBA Wire Receipt
| Gateway | Rate | Forex Markup | True Cost | You Receive |
|---|---|---|---|---|
| Skydo | 0.3% | 0% | $3 | $997 |
| Playto Pay | 1% | 0% | $10 | $990 |
| Xflow | ~1.5% | ~0.5% | ~$20 | ~$980 |
| Indian Bank SWIFT | ~₹500 | ~1.7% | ~$23 | ~$977 |
Monthly Cost Scenarios
Indian Agency with $5,000/Month International Revenue (Mix)
- $3,000 via USD VBA wire: $30 (1%)
- $2,000 via international card: $80 (4%)
- Total monthly Playto Pay cost: $110 (2.2% blended effective rate)
- vs PayPal: ~$365 (7.3%)
- Monthly saving vs PayPal: $255 = ₹21,250
Freelancer with $2,000/Month Card-Only (No Wire Clients)
- $2,000 card payments: $80 (4%)
- Monthly cost: $80
- vs PayPal: ~$146
- Monthly saving: $66 = ₹5,500
What Is NOT Charged
- No monthly subscription
- No setup fee
- No KYB fee
- No FIRA generation fee
- No chargeback fee for first chargeback (standard terms apply)
- No forex markup on any transaction type
FAQ
What does Playto Pay charge for international card payments? 4% flat fee with zero forex markup. No monthly fee, no setup fee.
What does Playto Pay charge for wire transfers (VBA)? 1% flat fee with zero forex markup. INR settled daily.
Is there a monthly fee for Playto Pay? No. ₹0/month. No minimum transaction volume requirement.
What is the BNPL fee on Playto Pay? 10% flat. For high-ticket items ($500+), BNPL typically drives 25-40% higher conversion, making the 10% fee worthwhile on net revenue.