Final Pay pricing: how much does it cost?
Final Pay is pay-as-you-go per successful card charge, with no setup or monthly fees. Canada in-person is 1.99% plus 10 cents CAD, Europe is 0.99% plus 10 euro cents, and US and worldwide is 2.49% plus 10 cents. Online rates are higher. American Express adds 1%. Next-day payouts are included.
Final Pay is pay-as-you-go: a percentage plus a small fixed fee on each successful card charge, with no setup fees, monthly fees, or hidden fees. Approval is instant and there is no credit check.
Your rate depends on three things:
Region: Canada, Europe, or US and worldwide (the fallback for everywhere else).
How the card is taken: in person (tapped, inserted, or swiped, including Tap to Pay) or online (card not present: MOTO keyed payments and payment Links).
Card brand: American Express adds 1% to the rate.
Rates by region
Canada
In person: 1.99% + $0.10 CAD per charge (American Express: 2.99% + $0.10 CAD). Interac debit is 0.5% + $0.07.
Online (MOTO and Links): 2.49% + $0.10 CAD (American Express: 3.49% + $0.10 CAD).
Europe
In person: 0.99% + €0.10 per charge (American Express: 1.99% + €0.10).
Online (MOTO and Links): 1.29% + €0.25 (American Express: 2.29% + €0.25).
US and worldwide
In person: 2.49% + $0.10 per charge (American Express: 3.49% + $0.10).
Online (MOTO and Links): 2.79% + $0.30 (American Express: 3.79% + $0.30).
The US-and-worldwide pair is also the fallback when a more specific regional rate does not apply.
Payouts and other fees
Next-day payouts are included at no extra cost. Cash is always $0. A 1% platform fee applies to non-cash payments that are not processed through Final Pay, and it never applies to Final Pay payments themselves.
For how balances and payout schedules work, see Payouts, Balances & Funding.
Frequently asked questions
What's the difference between "in person" and "online"?
In person means the card is paid at the counter (tapped, inserted, or swiped, including Tap to Pay). Online 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 in person or online.
Which rate applies if my region isn't listed?
The US and worldwide fallback — 2.49% + $0.10 for an in-person charge (higher for online 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. Next-day payouts are included.
What does Interac debit cost in Canada?
Interac debit is 0.5% + $0.07 per in-person transaction.