Pricing
Fees & Pricing
A headline rate rarely tells the whole story. Look at how percentage fees, per-transaction fees, monthly charges and situational costs combine.
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Independent
Plain-English explanations without a sales pitch.
Practical
Questions, frameworks and cost thinking you can actually use.
Editable
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Merchant Atlas
The headline rate is only one input
Model percentage fees, fixed transaction charges and recurring or situational costs together.
Key concepts
What to understand
Percentage fees
Costs linked to the value of processed transactions.
Fixed transaction fees
A per-transaction amount that matters more when average ticket values are low.
Monthly / platform charges
Recurring fees for accounts, gateways, software, reporting or service bundles.
Situational costs
Refund, dispute, cross-border, FX, premium card or other charges that depend on activity.
Provider conversation
Questions worth asking
- Which company provides each part of the service?
- Which charges change with volume, ticket size, card type or customer location?
- What would cause pricing, reserves or settlement terms to change?
- How are support, refunds, reporting and disputes handled?
Test the pricing assumptions.
Use the calculator to see how percentage and fixed fees behave at different transaction sizes.
Fees & pricing cluster
Go deeper with connected research.
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