Pricing methodology
The rules behind everynumber we publish.
A pricing page is a trust asset only if you can check its work. These are the rules ours follows — if you catch a published number breaking one, we’ll correct the page, not the excuse.
No number without a contract behind it
A rate appears on our pricing page only when a signed partner contract (or our own fee schedule, for fees we alone control) guarantees it in writing. Partner-dependent rates are published as ranges and finalized at underwriting — your offer letter states the exact rate and reserve terms before you process a cent. Anything gated on an unsigned contract is labeled “early access” with no number attached.
Comparisons are like-for-like and geo-qualified
EEA pricing is compared to EEA pricing, standard published rates to standard published rates, and the same flow to the same flow. We never quote a competitor’s US headline rate against our European price, and we never compare our negotiated tier against someone’s retail card rate. Where a mainstream PSP is genuinely cheaper for your business — clean EEA card processing usually is — we say so.
No blended headline rate
Blended rates (“one simple price for every card”) mean someone is eating card-mix variance — usually you, invisibly. We publish the platform fee we control and pass through what the rail charges, itemized. Every payment object carries its full fee breakdown in the API and dashboard, so reconciliation never needs a support ticket.
Reserves are pricing, so they’re published
A rolling reserve is part of the true price of high-risk acceptance, so it appears next to the rate, not in an appendix: the percentage held, the rolling window, the risk-tier logic behind it, and the release schedule. In the current phase reserves are held by the licensed acquiring partner under contract terms we negotiate and disclose — see the trust page for who holds what.
Segment honesty over segment flattery
High-risk acceptance costs 3.5–5% because that is what underwriting, chargeback exposure, and risk operations for this segment genuinely cost — a lower teaser number would be recovered from you elsewhere. Ramp orchestration is free to you because the provider pays us a partner fee, and we disclose that arrangement. Routing between providers is quote-based and blind to our own rev-share.
Corrections are public
If a partner contract changes a published number, the page changes the day the change takes effect for new merchants — existing merchants keep their written terms. This page is versioned in the open alongside our code.
Questions about a specific number? Back to pricing · Trust & fund flows