What’s New: March 2026

Table Of Contents

March is packed with new capabilities for merchants, resellers, and developers.

Our Scale tool is now officially live, giving agencies, PayFacs, and SaaS platforms full control over how they deploy and price Final for their clients. Developers can now request early access to Code and start building custom extensions ahead of the full release. And with manual card payments (MOTO) now available through Final Pay, you can accept card payments by phone or mail order — without the customer needing to be present. Here’s everything that’s new.

At a glance:

  • Scale: Centrally manage and distribute branded checkout solutions to your clients — now live
  • Scale Pricing: Define your own rates and fees for every client, with full control over your margins
  • Code (Early Access): Build your own extensions, custom fields, and data integrations with Final
  • MOTO: Accept card-not-present payments for phone orders and mail-in transactions

Scale

Custom rates in Scale

Scale is Final’s distribution tool for agencies, payment facilitators, and SaaS platforms that want to turn branded checkout infrastructure into a recurring revenue stream. It gives you centralized control over every client you serve — their plans, their limits, their extensions, and the overall experience — all under your own brand.

Resellers earn a portion of each transaction’s processing fee across their network. As your clients grow, so does your revenue. There’s no ceiling on how many companies you can manage or how large your network can get.

Apply for Scale access at finalpos.com/scale/ to get started.
You can also watch this video to learn more: https://www.youtube.com/watch?v=Q0axiSe3fSg

Set Custom Rates in Scale

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Scale Pricing gives resellers full flexibility to manage how Final is priced for their clients. You can set rates at the Plan level to apply shared pricing across a group of companies, or configure custom rates per individual Company — depending on how you structure your services.

You set your own fees, build your own pricing model, and earn ongoing residuals on every transaction processed through your network. Whether you’re managing five clients or five hundred, you’re in control of your margins.

Code (Early Access)

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Code is Final’s developer tool for extending the platform beyond its out-of-the-box capabilities. It lets you craft unique elements, menus, and API connections to build custom checkout extensions for Final POS. It also enables you to create and integrate custom fields and bespoke data tables.

Code is currently in active development, but early access is now available. Request early access at finalpos.com/code/ to start building ahead of the full release.

MOTO

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MOTO — Mail Order / Telephone Order — also known as “manual card entry” lets you take card payments when the customer isn’t physically present at the point of sale. Whether you’re processing a phone order, taking a deposit in advance, or handling a mail-in request, MOTO gives you a way to collect payment without the card being swiped, tapped, or inserted.

To use it, assign a MOTO payment action to a button in your Final checkout. When that button is triggered during a sale, it prompts manual card entry on your connected terminal — no additional hardware required beyond your existing setup.

MOTO is now live for all merchants on Final Pay.

FAQs

1) What is Scale?
Scale is Final’s reseller tool for agencies, payment facilitators, and SaaS platforms. It lets you deploy branded POS solutions to your clients, manage their plans and extensions centrally, and earn a residual on every transaction they process.

2) Who is Scale built for?
Scale is built for organizations that want to offer checkout infrastructure as part of their own product or service — agencies managing multiple merchant clients, PayFacs offering merchant services, or SaaS platforms adding in-person payments to their stack.

3) How does the Scale residual model work?
Resellers earn a share of the processing fee on every transaction processed across their client network. Revenue is passive and grows as your merchants’ volumes grow.

4) What is Scale Pricing?
Scale Pricing lets resellers set their own processing rates and fees for clients — either at the Plan level (applied across a group of companies) or configured individually per Company. Final defines the allowable range; you set your rates within it. Learn more about pricing.

5) Can I set different rates for different clients?
Yes. You can apply shared pricing to a group of companies via a Plan, or override rates on a per-Company basis for fully customized pricing per client.

6) What is Code?
Code is Final’s developer tool for building custom extensions, fields, and data integrations on top of the Final platform. It’s for developers and technical teams who need to go beyond what’s available out of the box.

7) What can I build with Code?
Code lets you build custom checkout elements and menus, connect to external APIs, create custom data fields, and add bespoke data tables — enabling purpose-built checkout solutions for unique business environments.

8) How do I get early access to Code?
Visit finalpos.com/code/ and request early access. Code is currently in development and not yet generally available.

9) What is MOTO?
MOTO stands for Mail Order / Telephone Order. It’s a card-not-present payment type that lets merchants accept payment when a customer and their card aren’t physically at the point of sale — for phone orders, advance deposits, or mail-in transactions.

10) How does MOTO work in Final?
You assign a MOTO payment action to a button in your Final checkout. When that button is triggered during a sale, it prompts manual card entry on your connected terminal. No additional hardware is needed beyond your existing setup.

Stay tuned for many more features on the way. Don’t forget to follow us on YouTube for guides, tips, and product walkthroughs, and keep an eye on our website or LinkedIn for the latest releases and improvements.

Country Rates

Australia
1.7% + A$0.30 for domestic cards
3.5% + A$0.30 for international cards
+ 2% if currency conversion is required
Austria
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
Belgium
1.5% + €0.25 for standard European Economic Area cards
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Brazil
3.99% + R$0.39 per successful charge for domestic cards
+ 2% for transactions with international cards
Bulgaria
1.5% + BGN0.50 for standard European Economic Area cards
1.9% + BGN0.50 for premium European Economic Area cards
3.25% + BGN0.50 for international cards
2.5% + BGN0.50 for UK cards
+ 2% if currency conversion is required
Canada
2.9% + C$0.30 per successful charge for domestic cards
+ 0.5% for manually entered cards
+ 0.8% for international cards
+ 2% if currency conversion is required
Crotia
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 1% if currency conversion is required
Cyprus
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Czech Republic
1.5% + 6.50Kč for standard European Economic Area cards
1.9% + 6.50Kč for premium European Economic Area cards
2.5% + 6.50Kč for UK cards
3.25% + 6.50Kč for international cards
+ 2% if currency conversion is required
Czech Republic
1.5% + 6.50Kč for standard European Economic Area cards
1.9% + 6.50Kč for premium European Economic Area cards
2.5% + 6.50Kč for UK cards
3.25% + 6.50Kč for international cards
+ 2% if currency conversion is required
Denmark
1.5% + 1.80kr for standard European Economic Area cards
1.9% + 1.80kr for premium European Economic Area cards
2.5% + 1.80kr for UK cards
3.25% + 1.80kr for international cards
+ 2% if currency conversion is required
Estonia
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Finland
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
France
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Germany
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Gibraltar
1.5% + 20p for standard Gibraltar cards
1.9% + 20p for premium Gibraltar cards
2.5% + 20p for European Economic Area cards
3.25% + 20p for international cards
+ 2% if currency conversion is required
Greece
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Hong Kong
3.4% + HK$2.35per successful charge for domestic cards
3.4% + US$0.30 per charge when settled in USD
+ 0.5% for international cards
+ 2% if currency conversion is required
Hungray
1.5% + 85.00Ft for standard European Economic Area cards
1.9% + 85.00Ft for premium European Economic Area cards
2.5% + 85.00Ft for UK cards
3.25% + 85.00Ft for international cards
+ 2% if currency conversion is required
Ireland
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Italy
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Japan
3.6% per successful charge for domestic cards
+ 2% if currency conversion is required
Latvia
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Liechtenstein
1.5% + CHF0.30 for standard European Economic Area cards
1.9% + CHF0.30 for premium European Economic Area cards
2.5% + CHF0.30for UK cards
3.25% + CHF0.30 for international cards
+ 1% if currency conversion is required
Lithuania
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Luxembourg
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Malaysia
3% + RM1.00 per successful charge for domestic cards
+ 1% for international cards
+ 2% if currency conversion is required
Malta
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Mexico
3.6% + MXN$3.00 per successful charge for domestic cards
+ 0.5% for international cards
+ 2% if currency conversion is required
Netherlands
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
New Zealand
2.7% + NZ$0.30 for domestic cards
3.7% + NZ$0.30 for international cards
+ 2% if currency conversion is required
Norway
2.4% + 2.00kr for Norwegian cards
2.4% + 2.00kr for European Economic Area cards
3.25% + 2.00kr for international cards
+ 2% if currency conversion is required
Poland
1.5% + 1.00zł for standard European Economic Area cards
1.9% + 1.00zł for premium European Economic Area cards
+ 2% if currency conversion is required
Portugal
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Romania
1.5% + 1.00lei for standard European Economic Area cards
1.9% + 1.00lei for premium European Economic Area cards
2.5% + 1.00lei for UK cards
3.25% + 1.00lei for international cards
+ 2% if currency conversion is required
Singapore
3.4% + S$0.50 per successful charge for domestic cards
3.4% + $0.50 per card charge when settled in USD
+ 2% if currency conversion is required
+ 0.5% for international cards
Slovakia
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Slovenia
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Spain
1.5% + €0.25 for standard European Economic Area cards
1.9% + €0.25 for premium European Economic Area cards
2.5% + €0.25 for UK cards
3.25% + €0.25 for international cards
+ 2% if currency conversion is required
Spain
1.5% + 1.80kr for standard European Economic Area cards
1.9% + 1.80kr for premium European Economic Area cards
2.5% + 1.80kr for UK cards
3.25% +1.80kr for international cards
+ 2% if currency conversion is required
Switzerland
2.9% + CHF0.30 for premium European Economic Area cards
3.25% + CHF0.30 for international cards
+ 2% if currency conversion is required
Thailand
3.65% + ฿10.00 for domestic cards
4.75% + ฿10.00 for international cards
+ 2% if currency conversion is required
United Arab Emirates
2.9% + AED1.00 for domestic cards
+ 1% if currency conversion is required
+ 1% for international cards
United Kingdom
1.5% + 20p for standard UK cards
1.9% + 20p for premium UK cards
2.5% + 20p for EU Cards
3.25% + 20p for international cards
+ 2% if currency conversion is required
United States
2.9% + 30¢ per successful charge for domestic cards
+ 1.5% for international cards
+ 1% if currency conversion is required
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