§Pricing
A pricing structure you can read in one breath.
A percentage plus a fixed fee per successful payment. Clear fees for payouts and currency conversion. No set-up fee, no monthly minimum for standard accounts. The sandbox is free.
Commercial terms are not final. Every figure on this page is illustrative and is not a confirmed commercial offer.
Three ways to start
Sandbox
Free
Always
Everything you need to build and test, with simulated money.
- All products in test mode
- Test cards and test IBANs
- Webhooks and event replay
- No card required
Standard
1.40% + €0.25
per successful EEA card payment · illustrative
Illustrative — not a confirmed commercial offer; final pricing depends on the acquiring partner
Pay as you go when live processing opens.
- No set-up fee
- No monthly minimum
- Payout fees shown before you send
- Smart Routing included
Enterprise
Negotiated
volume-based
For high volumes, several entities or custom fund flows.
- Interchange++ pricing options
- Dedicated routing rules
- Maker-checker controls
- Named contact
01Card pricing
What each card costs, before you integrate.
One percentage plus one fixed fee per successful payment, depending on where and how the card was issued.
- EEA consumer cards1.40% + €0.25Visa, Mastercard and Maestro consumer debit and credit cards issued in the EEATestable today
- EEA commercial cards2.10% + €0.25Business and corporate cards issued in the EEANot in sandbox yet
- UK cards2.50% + €0.25Cards issued in the United KingdomTestable today
- International cards2.90% + €0.25Cards issued outside EuropeTestable today
- American Express2.90% + €0.25Planned, subject to the acquiring partnerPlanned
- Apple Pay · Google PayApple Pay and Google Pay are charged as the underlying card.
- Same price for consumer debit and credit cards issued in the EEA.
- No setup fee. No monthly fee in the sandbox.
Illustrative — not a confirmed commercial offer; final pricing depends on the acquiring partner
02Calculator
What would a payment cost?
Calculated with integer cents — the same way our ledger does it. Rounded half-up to the cent.
Breakdown
- Percentage fee1.40%
- €1.68
- Fixed fee
- €0.25
- Total fees
- − €1.93
You receive
€118.07
Effective rate
1.61%
03Everything else
Other methods, payouts and platform fees.
| Item | Illustrative fee | Notes |
|---|---|---|
| Other payment methods | ||
| SEPA Instant / open banking | 0.50% + €0.20 | Paid directly from the customer’s bank account |
| Apple Pay / Google Pay | As the underlying card | Same rate as the card stored in the wallet |
| Payouts and currency | ||
| Currency conversion | +1.00% | On top of the card rate, shown before you confirm |
| SEPA payout | €0.25 per payout | Daily, weekly or monthly schedule |
| Instant SEPA payout | 1.00% of the payout | Where the receiving bank supports it |
| Disputes | €15.00 per dispute | Charged when a customer disputes a payment |
| Refunds | No extra fee | The original processing fee is not returned |
| Platform products | ||
| Subscriptions | +0.50% of recurring volume | Invoices and dunning included |
| Marketplaces (Connect) | €2.00 per active seller per month + 0.25% | Percentage on seller payout volume; a seller is active in a month with at least one payout |
Illustrative — not a confirmed commercial offer; final pricing depends on the acquiring partner
?FAQ
Questions, answered
Why are the figures illustrative?
Our live prices depend on agreements with authorised partners that are not final yet. We prefer to show the structure honestly and confirm figures before anyone is charged.
What will I pay in the sandbox?
Nothing. The sandbox is free, has no time limit and does not need a card.
Are there monthly fees?
Standard accounts have no monthly fee. Connect has a per-active-seller fee, and enterprise agreements may include platform fees.
How is rounding done?
Fees are calculated in integer minor units and rounded half-up to the cent, once per fee line.
Build now, pay only when you go live.
The sandbox is free for as long as you need it.