# Final Pay pricing: how much does it cost?

> Published: 2026-07-02
> Updated: 2026-07-08
> Category: Pay
> Canonical: https://finalpos.com/help/final-pay-pricing

Final Pay is pay-as-you-go per successful card charge, with no setup or monthly fees. Your rate depends on your region, whether the card is present (in person) or not (MOTO and payment Links), and whether it's American Express (which adds 1%). For example, North America card-present is 2.49% + C$0.20, and instant payouts add 0.69%.

## Key takeaways

- Final Pay is pay-as-you-go per successful card charge — no setup, monthly, or hidden fees.
- Your rate depends on region, whether the card is present (in person) or not (MOTO and payment Links), and the card brand.
- North America: card-present 2.49% + C$0.20; card-not-present 2.90% + C$0.20 (American Express adds 1%).
- Europe: card-present 1.49% + €0.10; card-not-present 1.90% + €0.10 (American Express adds 1%).
- Other regions (the fallback): card-present 2.69% + US$0.25; card-not-present 3.00% + US$0.25 (American Express adds 1%). Instant payouts add 0.69%.

## 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."

## FAQ

**Q: What's the difference between "card present" and "card not present"?**
A: 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.

**Q: Why does American Express cost more?**
A: American Express adds 1% to your rate, whether the card is present or not.

**Q: Which rate applies if my region isn't listed?**
A: The fallback rate — 2.69% + US$0.25 for a card-present charge (higher for card-not-present or American Express).

**Q: Are there setup or monthly fees?**
A: No — there are no setup, monthly, or hidden fees, and approval is instant with no credit check.