Final Pay pricing: how much does it cost?

Final Pay pricing at a glance

Final Pay pricing is pay-as-you-go: you're charged a percentage plus a small fixed fee on each successful card charge, and nothing else. There are:

• No setup fees

• No monthly fees

• No hidden fees

Getting started is instant approval with no credit check.

Per-charge rates by region

Your rate per successful card charge depends on your region:

• Europe — 1.49% + 10¢

• North America — 2.49% + 20¢

• Other regions — 2.69% + 25¢

For example, a $100 card sale in North America costs 2.49% + 20¢ = $2.69.

Add-on fees

These are charged on top of your per-charge rate:

• American Express (Amex) — +1%

• Instant payout — +0.69% (standard payouts, sent on your schedule, are free)

• Third-party transactions — a 1% platform fee applies to some third-party transactions

Because these are add-ons, an Amex charge or an instant payout costs your standard rate plus the extra percentage — not instead of it.

What you won't pay

Final Pay keeps pricing simple — there are no setup fees, no monthly fees, and no hidden fees, so what you pay is the per-charge rate plus any add-ons that apply to a given transaction.

Frequently asked questions

Are there setup or monthly fees? No — there are no setup, monthly, or hidden fees. You only pay per successful card charge.

Do I need a credit check to start? No — approval is instant with no credit check.

Why is my rate different from another merchant's? Per-charge rates vary by region (Europe, North America, or other regions).

Does American Express cost more? Yes — Amex adds 1% on top of your standard rate.

Is there a fee to get paid faster? Standard payouts are free; instant payouts add 0.69% on top of your rate. See "Getting paid faster: standard vs. instant payouts" for details.