Final Pay pricing: how much does it cost?
Final Pay pricing — pay-as-you-go card rates by region for card-present and card-not-present (MOTO and payment Links) charges, with American Express and instant-payout add-ons, and no setup or monthly fees.
Pay as you go
Final Pay is pay-as-you-go: you're charged a percentage plus a small fixed fee on each successful card charge — with no setup fees, monthly fees, or hidden fees, and instant approval with no credit check.
Your rate depends on three things:
Region — North America, Europe, or Other regions.
How the card is taken — card present (paid in person: tapped, inserted, or swiped, including Tap to Pay) or card not present (MOTO keyed payments and payment Links).
Card brand — American Express adds 1% to the rate.
Rates by region
North America
Card present: 2.49% + C$0.20 per charge (American Express: 3.49% + C$0.20).
Card not present (MOTO & Links): 2.90% + C$0.20 (American Express: 3.90% + C$0.20).
Europe
Card present: 1.49% + €0.10 per charge (American Express: 2.49% + €0.10).
Card not present (MOTO & Links): 1.90% + €0.10 (American Express: 2.90% + €0.10).
Other regions
Card present: 2.69% + US$0.25 per charge (American Express: 3.69% + US$0.25).
Card not present (MOTO & Links): 3.00% + US$0.25 (American Express: 4.00% + US$0.25).
The Other-regions card-present rate — 2.69% + US$0.25 — is also the fallback rate used when a region-specific rate doesn't apply.
Instant payouts
Standard payouts (on your schedule) are free. Instant payouts add 0.69% on top of your rate. See "Getting paid faster: standard vs. instant payouts."
Frequently asked questions
What's the difference between "card present" and "card not present"?
Card present means the card is paid in person (tapped, inserted, or swiped, including Tap to Pay). Card not present means keyed MOTO payments and payment Links, which have a slightly higher rate.
Why does American Express cost more?
American Express adds 1% to your rate, whether the card is present or not.
Which rate applies if my region isn't listed?
The fallback rate — 2.69% + US$0.25 for a card-present charge (higher for card-not-present or American Express).
Are there setup or monthly fees?
No — there are no setup, monthly, or hidden fees, and approval is instant with no credit check.