Not just the rate on the contract — the failed approvals, the FX margin they keep, the reconciliation hours, the separate POS bill. Add it up, and most platforms cost you 30–50% more than they advertise. Works for merchants from €100K to €500M+ annual volume — same platform, rates auto-tier as you scale.
Pick your current platform, drop in your monthly volume, choose your channel mix. We'll show what you're paying today vs. what you'd pay with Paybyrd — every line itemised.
Based on blended EEA card rates with €50 average ticket. Paybyrd: cards 1.25% + €0.08, APMs from €0.20, in-store from 0.50%. Actual savings depend on card mix, geography, and volume.
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Grab the full breakdown — current costs vs Paybyrd, down to the cent, in your inbox.
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Every method we accept, every rate we charge, in one place. Toggle online vs in-store, filter by category. Nothing buried in the contract.
No payout fees, ever. Cadence matches your business: same-day or T+1 for most, longer windows for merchants with delayed-delivery exposure (travel, events, pre-orders) — all set after risk analysis, not by tier.
Receive payouts in major currencies without any FX surcharge or conversion fee.
Zero surcharges on payouts in these currencies. Other currencies available on request.
Processing more than €80K per month? Unlock tailored rates for your scale.
Fees shown are starting rates for the Essential plan. Final rates depend on volume, industry, and card type. All fees are in EUR and exclude applicable taxes.
Cancel anytime. Swap within 24 hours. Most merchants start with rental — switch to ownership when the fleet stabilizes.
Same engineering team, same vault, same dashboard — both plans. Custom unlocks volume rates and the levers that shift basis points around.
For merchants getting started or processing under €80K / month. No surprises, no minimums, full platform.
For merchants processing €80K+ / month or running multi-channel operations. Volume tiers + every economic lever we have.
Approval uplift recovers what you already won. Surcharge transfers cost where it's legal. DCC turns FX swings into margin. On most contracts, these three move more euros than the basis-point delta on your rate.
Multi-acquiring + smart routing + network tokenisation + local-acquired cross-border. Every BIN goes to the acquirer most likely to approve it.
For a merchant processing €2B annually with ~35% in surchargeable corridors. Disclosed to the cardholder, capped at brand limits, carved out by BIN where required.
Most platforms keep the dynamic-currency-conversion margin and call it "service". We treat it as your money. Up to 80% revenue share back to the merchant.
Every payment platform says "transparent pricing". Here's what that headline rate looks like once the surcharges, FX margin, dispute fees, and "service" extras land. Same merchant, same month, two invoices.
Stripe rates from publicly published EEA pricing as of April 2026. "Effective rate" assumes a typical merchant card mix (75% domestic, 15% intra-EU, 10% international) with €50 average ticket and 0.4% chargeback rate. Your invoice may vary — but the structure won't.
Tiers move automatically — when you cross a threshold, the next month's bill reflects the new rate. No renegotiation, no quarterly true-up calls, no waiting for the contract anniversary.
The CFO needs the rate to make sense. The CTO needs the integration to be real. The COO needs the operations to simplify. Here's one reason for each.
T+0 or T+1 for qualifying merchants. Tailored cadence for delayed-delivery businesses (travel, events, pre-orders). Always gross, always free — no 7-day Stripe wait, no per-payout fee.
Multi-acquirer routing + network tokenisation + local-acquired cross-border. More approvals = more revenue, same volume.
Tokyo cards hit Tokyo issuers. Lower fees, higher approvals, fewer chargebacks. 192+ currencies supported.
Online + in-store + recurring + payouts on a single agreement. Named technical account manager from day one — not a ticket queue.
Tokenisation, scope reduction, 3DS2 step-up, AI velocity, shared denylist — all standard. No fraud-suite upsell.
Sandbox in 24h. First test transaction by end of week one. Pilot live in 2–4 weeks. Vila Galé went contract-to-live in 22 days.
Every objection that's killed a payments deal in the last decade, answered honestly. If something's still missing, the team replies in under 4 working hours.
No. Essential is pure pay-as-you-go — no setup fee, no monthly fee, no minimum volume. You only pay when a transaction goes through. Custom plans negotiate volume tiers but never gate access behind a fixed monthly bill. The only fee you'll ever see on your invoice is the per-transaction rate (and chargebacks at €7.50 each, fully disclosed).
Cards 1.25% + €0.08 covers everything most platforms charge extra for: EU consumer surcharge, international card surcharge, currency conversion, network token rotation, gross payouts at every cadence (T+0 / T+1 / tailored), PCI vault scope reduction, 3DS2 step-up, AI velocity scoring. Compare line-by-line in the breakdown above. Disputes are €7.50 per chargeback (vs €15+ on most processors).
Yes — Paybyrd's surcharge engine adds a fully-disclosed, configurable fee to the cardholder at checkout in markets where surcharging is permitted (US, Australia, parts of Canada, several LATAM corridors, EU credit-only carve-outs). The engine respects card-brand caps, regional regulatory limits, and BIN-level carve-outs (debit, prepaid usually excluded). For a merchant processing €2B annually with ~35% in surchargeable corridors, this typically recovers €4M–€7M in year one.
Up to 80% of the dynamic-currency-conversion margin flows back to you. Most platforms keep this and call it a service. We treat it as your money — the FX margin earned when an international cardholder pays in their home currency is split 80/20 in your favour. For merchants with significant cross-border volume, this often offsets the entire card-acceptance cost.
No. You can cancel any time. We don't have contract minimums, exit fees, or lock-in clauses on Essential. Custom plans are typically 12-month commitments to lock in volume rates, but include a 30-day exit clause if we don't deliver on the SLA. We'd rather you stay because the platform works than because you're trapped.
We don't ask you to flip a switch. Phase 1 (week 1–2): sandbox certified, integrations team paired with yours. Phase 2 (week 3–6): one channel, parallel processing — Paybyrd handles 5–20% of live traffic while you compare diff reports against your incumbent. Phase 3 (week 7–12): graduated cutover with you holding the rollback switch. Vila Galé's first property went from contract to live in 22 days using exactly this runbook; subsequent properties roll out in days, not weeks.
Yes. Paybyrd is acquirer-agnostic — keep your existing acquirer agreements, your negotiated rates, your in-flight volume commitments. We orchestrate on top. If you later choose to consolidate, we can act as your acquirer across 90+ markets, but it stays a separate decision on a separate contract.
Day one. The rate you sign is the rate you pay from your first transaction. No introductory bait-and-switch, no trial-period gotcha, no hidden ramp. If your volume crosses the next tier threshold, the lower rate applies starting the following month — automatically.
99.999% platform uptime SLA, contractually backed with credits — not vibes. Custom plans get a named technical account manager from day one and a dedicated Slack channel with our SRE on-call. Sub-200ms automatic failover to a hot-standby region. Weekly chaos drills in staging. When something breaks at 3am, you talk to the engineer who built the thing, not a script reader two queues deep.
Cadence is risk-calibrated, not tier-gated. Qualifying merchants get same-day (T+0) or T+1 to their nominated bank in major EU corridors — all included in the headline rate with no per-payout fee, no 1% Stripe-style instant-payout surcharge. Merchants with delayed-delivery exposure (travel, events, pre-orders, large deposits) get a tailored payout schedule based on risk analysis — this is a regulatory feature, not a restriction, and keeps both your funds and your cardholders' liability safe. Every payout is gross-settled and itemises volume, fees, refunds and chargebacks per outlet/SKU/channel so reconciliation runs ad-hoc instead of monthly.
All supported and pre-certified. 192+ currencies, every major APM in EU / LATAM / APAC. Missing one? Tell us the market and projected volume — we've added 11 new methods in the last 18 months on merchant request. Adding a method later is a flag-flip on your side, not a re-integration.
Yes. Select Paybyrd modules — gateway, vault, decisioning engine — run in your cloud or behind your VPC for jurisdictions where data residency or regulator policy demands it. We've deployed self-hosted gateways in Brazilian, Angolan and EU markets with local data-processor requirements. Same APIs, same dashboards, your infrastructure, your audit trail.
Fifteen minutes with a payment engineer — no SDRs, no slide decks. We'll map your current cost stack, run a live benchmark against your incumbent, and have a sandbox in your inbox by tomorrow.
