Pricing for payments that scale with you

Every card payment carries three layers of cost. Interchange is the fee set by the card networks and paid to the issuing bank. Network or scheme fees are charged by the card brands. The processor markup is what the provider adds for its service.

With interchange-plus pricing, these layers are shown separately. You see the actual interchange for each transaction, plus a stated markup. Because interchange varies by card type, region and how the card is used, your cost per transaction can differ from one payment to the next. That visibility is what many larger or more complex merchants want.

With a flat rate, those layers are blended into one price. It is simpler to forecast and often suits smaller or newer businesses. Which model costs less depends on your card mix, ticket sizes and markets, so test both against your own history. The plans on this page show current standard pricing, and our team can quote custom terms when you contact sales.

Per-transaction pricing usually combines a percentage of the sale with a fixed amount per attempt or per successful payment. The exact structure changes with the payment method, whether the card is domestic or international, and whether currency conversion is involved. Bank-based methods and buy-now-pay-later options are priced differently from cards.

On top of the base rate, several items can change what you pay overall. Cross-border payments and currency conversion can add cost. Refunds and chargebacks have their own treatment, so check whether the original fee is returned on a refund and what a dispute costs. Payout fees, rolling reserves and settlement timing also affect your net position.

Ask any provider to show these items in writing, and compare them against the standard terms on the pricing page and the terms you receive in a quote.

Total cost is more than the processing rate. Start with your fees for a representative month, then add the items that sit outside the rate: chargeback losses, fraud tooling, lost sales from false declines, engineering time to integrate and maintain, and the cost of money tied up in slow settlement.

Divide the full total by your processed volume to get an effective rate you can compare across providers. Use real data: your card mix, countries, average order value and refund rate. A provider with a higher headline rate can still cost less overall if it raises approvals or reduces disputes, and the reverse is also true.

Our guides on choosing the right payment processor and improving approval rates explain how those factors affect revenue as well as cost.

If you process higher volumes, run an unusual business model, need multiple acquirers or want dedicated merchant IDs, a quote will usually fit better than standard pricing. Prepare your monthly volume, average ticket, countries and current statements before you reach out. Our team can review them and explain how the payment gateway and routing options would apply, or you can request a demo.