/ pricing
Pricing without surprises.
Interchange-plus from day one. You pay what the card brand charges, plus a transparent PayVeta margin. No PCI fees, no tiered shenanigans, no surprise rate hikes.
/ pricing
Transparent. Interchange-plus
from day one.
No setup fees. No PCI fees. No surprise tiered rates.
Startup
card-present & online
- No monthly fee under $1M annual volume
- Standard ACH at 0.6% (capped at $5)
- T+2 settlement, T+1 on request
- Email support, 12h response SLA
Scale
most popular
- Interchange-plus, fully unbundled
- Same-day ACH, RTP, FedNow
- T+1 settlement, multi-currency
- Dedicated success engineer + Slack
- Chargeback Shield (Ethoca + Verifi)
Custom
high-risk or > $25M / yr
- Custom risk model & reserve schedule
- Direct MIDs across multiple acquirers
- Local acquiring in 47 markets
- Bring your own ISO / NAR partner
- Solution architect on call
Interchange and assessment fees passed through at cost. International cards and high-risk verticals priced per quote.
/ sample rates
Indicative averages on the Scale plan.
Your effective rate depends on card mix and vertical.
| Payment type | Effective rate | Detail |
|---|---|---|
| US debit card | 0.05% + 22¢ | Interchange optimized, regulated debit |
| US credit card | 1.95% + 10¢ | Avg interchange + assessments |
| US commercial card | 2.50% + 10¢ | Avg interchange, Level 2/3 eligible |
| EU consumer card | 0.30% + 5¢ | Interchange capped under EU IFR |
| International card | +0.60% | Cross-border + currency conversion |
| Same-day ACH | $0.40 | Flat per transaction, no percentage |
| Standard ACH | $0.25 | Flat per transaction, no percentage |
| RTP / FedNow | $0.50 | Instant 24/7 rails |
| Refund | $0.00 | Always free |
| Chargeback fee | $15.00 | Refunded if dispute is won |
/ faq
Pricing questions
01 How does interchange-plus pricing actually work?
You pay the card brand's interchange and assessment fees at cost, plus a transparent PayVeta margin. There is no markup on interchange and no tiered "qualified / non-qualified" surprises.
02 Are there setup fees or monthly fees?
No setup fees ever. The Startup plan has no monthly fee under $1M annual volume. Scale starts at $99/month, billed only if you process. Custom is quoted.
03 What about PCI compliance fees?
There are no PCI compliance fees. PayVeta is a Level 1 PCI service provider and you ride on our compliance scope by default.
04 When do funds settle?
T+2 on Startup, T+1 on Scale, same-day on Scale by request. Custom plans can negotiate hourly settlement windows.
05 Is high-risk pricing different?
Yes. High-risk verticals are priced per quote based on chargeback ratio, average ticket size, and history. We disclose all conditions in writing before you sign.
See your real cost in 24 hours.
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