We are determined to ensure your revenue model is permanently and materially improved by payments. Our pricing is flexible, transparent and can be bundled or buy rate (cost+).
Revenue Sharing: Our SaaS partners have the opportunity to share in payments revenue.
Pay Theory comes free to use for everyone. Our entire suite of payment products is available to you, free of charge. We make money from built in processing fees. See below to see the different rates we charge.
2.9% + .30 — card
0.40% + .45 fee is never above $5 — ACH - eCheck
Lower Fee When you Pay the Processing Costs
Simplified Reconciliation
Automated Billing
3.95% — card
0.40% + .45 fee is never above $5 — ACH - eCheck
$0 Minimum or Maximum Transaction
Accept all Major Credit Cards
Accept Major Digital Wallets
$2.50 processing fee — Payor Pays
This rate applies only to remote cash payments
Automatically added to every barcode
No. It’s free to work with us and our entire payment suite is free to use.
A basis point ("bps") is a unit equal to one one-hundredth of a percentage point — so 1 basis point is 0.01%, and 100 basis points equal 1%. In credit card processing, a transaction's cost is split among several parties, and the smaller components are often quoted in basis points because a whole number like "25 bps" is easier to read and compare than "0.25%." For example, 25 bps means a quarter of a percent, or 0.25%. Basis points are typically used for values below roughly 1–2%, with percentages used above that.
No. We make money off fees tied into the payment.
For B2B2C businesses (business-to-business-to-customer) there is potential for revenue sharing. The best way to find out how much revenue is possible for your business is by filling out the revenue projection form below.
Pay Theory comes free to use for everyone. Our entire suite of payment products is available to you, free of charge. We make money from built in processing fees. See below to see the different rates we charge.
View our documentation, guides, and resources.
