Starter
3.9% + $0.35
$0 setup · $99 monthly
For emerging merchants under $250k monthly processing volume.
- 1 MID, single currency
- Hosted checkout + API
- Standard fraud + 3DS 2.2
- T+5 settlement
- Email support, 12h SLA
- Standard reporting
Investment
Pricing that mirrors the caliber of your business.
Three tiers, every fee disclosed up front. Final rates are calibrated to your processing geography, vertical risk band, and historical performance during underwriting.
Premier
2.9% + $0.25
$2,500 setup · $499 monthly
For established operators processing $250k–$5M per month.
- Cascading MIDs across 3 banks
- Ethoca + Verifi alerts
- Chargeback representment
- T+3 settlement, multi-currency
- Named risk officer, 4h SLA
- Custom reporting + API webhooks
Sovereign
Bespoke
Tailored to your treasury
For enterprise merchants above $5M monthly volume.
- Unlimited MIDs across 12+ banks
- Dedicated FX desk + hedging
- Private smart-routing engine
- T+2 settlement, 38 currencies
- Concierge support, 24/7, 30min SLA
- On-premise SFTP + ERP integration
Custom pricing
Get an indicative rate in under two minutes.
Run your vertical, geography and volume through our auto rate calculator for a personalised MDR, reserve and settlement recommendation — and download the rate sheet as a PDF.
Beyond the rate
Common ancillary fees, fully disclosed.
Chargeback
$25
Refund
$0.50
Wire payout
$45
SEPA payout
€0.90
FX spread
0.30 – 0.80%
Reserve
5 – 10% rolling, 180 days
Monthly minimum
$250 transactional
Early termination
None
Detailed comparison
Choose by what you actually need, not by colour-coded tiers.
| Capability | Starter | Premier | Sovereign |
|---|---|---|---|
| Acquiring banks | 1 | Up to 3 | Unlimited |
| Settlement currencies | 1 | Up to 8 | All 38 |
| Settlement cadence | T+5 | T+3 | T+2 |
| Cascading MIDs | — | ✓ | ✓ (smart-routed) |
| Ethoca / Verifi alerts | — | ✓ | ✓ |
| Chargeback representment | Self-serve | Included | Concierge |
| Visa CE 3.0 evidence packs | — | ✓ | ✓ |
| Network token provisioning | ✓ | ✓ | ✓ |
| Card account updater | — | ✓ | ✓ |
| FX desk + hedging | — | On request | Dedicated |
| Named risk officer | — | ✓ | ✓ |
| Named integration engineer | — | ✓ | ✓ |
| SLA — support response | 12h | 4h | 30 min, 24/7 |
| Custom reporting | — | ✓ | Per-entity |
| ERP / SFTP delivery | — | Standard files | Custom schema |
| Sandbox + webhooks | ✓ | ✓ | ✓ |
| Reserve structure | 10% rolling, 180d | 5–10% rolling, 180d | Bespoke |
How rates are calibrated
Pricing reflects four inputs, transparently.
Vertical risk band
Subscription SaaS, IATA-bonded travel and licensed iGaming sit closer to the floor. Adult, nutra and unlicensed FX sit closer to the ceiling. We publish the band on application.
Geography mix
EEA, UK and US-issued cards typically authorise at higher rates with lower interchange than emerging-market cards. Your geography mix drives our rate.
Volume & average ticket
Higher monthly volume earns better placement at acquirers; lower average ticket reduces per-transaction cost as a share of revenue.
Historical performance
12 months of processing statements with a sub-0.7% chargeback ratio moves you a tier down on rate, every time, no exceptions.
Pricing questions
Asked frequently, answered candidly.
Are there setup fees?
+
Starter has none. Premier has a one-time $2,500 setup fee covering integration, sandbox provisioning and risk officer assignment. Sovereign is bespoke.
Do you take a percentage of reserve?
+
No. Reserves are returned in full as the trailing chargeback window expires, with no fee or interest withheld.
What's the early-termination fee?
+
None. We don't believe in lock-ins. A standard 60-day wind-down protects reserve roll-off; you keep your MIDs portable to a successor processor where the scheme permits.
How often does pricing get reviewed?
+
Quarterly. Strong performance moves you down a band; deterioration triggers a remediation conversation, not a unilateral re-price.
Are there volume discounts above $5M?
+
Yes — Sovereign pricing is constructed bottom-up against interchange, scheme fees and acquirer margin. Most $5M+ merchants land below 2.2% blended.
Ready when you are