Pricing for Payment Processing

Our detailed pricing
for payment
processing

Our detailed pricing for payment processing

Simple, straightforward pricing for all our online and in-person payments, recurring billing, and embedded payments.

All our offers include

Every Paayco payment processing offer is packed with powerful features to help you get paid faster, easier, and more securely.

Top-Grade Security

Built-in fraud protection and PCI-compliant systems keep every transaction safe and secure.

Fast Payouts

Receive your funds quickly, so you can keep your business moving without delays.

Multi-Currency Support

Accept payments from customers worldwide in their local currency, with low conversion fees.

Real-Time Transaction Monitoring

Stay in control with live insights into every payment, refund, and chargeback.

Receiving payment in your account

Get account details around the world, for free

Payments

UK Debit Card

Per-transaction pricing means no setup fees or monthly fees.

0.65% + 5p

UK Credit Card

Per-transaction pricing means no setup fees or monthly fees.

0.85% + 5p

International cards

For European Economic Area cards

2.5% + 20p

International cards

Outside European Economic Area

2.99% + 20p

Connect

For standard UK cards

1.5% + 20p

Connect

For premium UK cards

1.9% + 20p

Multi-currency settlement

Settle and pay out funds in additional currencies

1%

3D Secure authentication

For premium UK cards

FREE

Local payment methods

Bacs Direct Debit

1%

Buy Now Pay Later

Per successful transaction for Klarna, Afterpay, Affirm, etc

Starting at 4.99% + 35p

Local payment methods

Bacs Direct Debit

1%

Instant payouts

Of Instant Payouts volume Minimum fee of 40p

1%

Disputes

Per dispute received.

£20.00

Disputes

Per dispute countered. Returned if you win.

£20.00

Checkout

Accept payments made on Paayco Checkout

FREE

Custom domain

£10 per month

Post-payment invoices

Automatically generate an invoice after a one-off purchase.

0.4% on transaction total

Payment Links

Accept payments made using a payment link.

FREE

Custom domain

Use your own domain while hosting your payments page or customer portal on Paayco

£10 per month

Post-payment invoices

Automatically generate an invoice after a one-off purchase.

0.4% on transaction total

Connect

Embedded payments for platforms and marketplaces

FREE

Invoicing

Create, customise, and send online invoices

£19 per month

Revenue Recognition

Accounting

Simplify accrual accounting with automated revenue reporting

£19 per month

Terminal

Cards and wallets

For European Economic Area cards

1.4% + 10p per successful charge

Cards and wallets

Simplify accrual accounting with automated revenue reporting

2.9% + 10pper successful charge

Tap to Pay

10p per authorisation

Card readers

Paayco Max Card reader

£279.00 Excl. VAT

Card readers

Paayco Midi Card reader

£179.00 Excl. VAT

Card readers

Paayco Mini Card reader

£89.00 Excl VAT

Issuing

Card creation

Create and issue cards instantly

£3.50 per standard, physical card

Card transactions

FREE for the first £500,000 in card transactions

Card transactions

0.2% + 15p per transaction after the first £500,000

Disputes

£20 per dispute

International payments

For cross-border transactions.

1% + 30p

Financial Connections

Account owners

Verify bank account ownership to minimise fraud when making payouts or accepting payments.

£1.25 per successful API call

Balances

Retrieve account balances for underwriting, financial management, or preventing payment failures due to insufficient funds.

10p per successful API call

Instant bank account verifications

Retrieve tokenised account numbers to instantly verify bank accounts

£1.25 per successful API call

Transactions

25p per instant verification.

Frequently asked questions

Everything you need to know about fees for payment processing

How are payment fees calculated?

Paayco charges a per-transaction fee depending on the payment method used by the end customer.

Will I be charged tax?

Are there additional fees for refunds?

Do you have set up fees or monthly fees?