Pay Theory Pricing

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.

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Revenue Sharing

Our SaaS partners have the opportunity to share in payments revenue. That means not only do you get a new feature without the developmental costs, but you get a new stream of revenue.


Processing Rates

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+).

Talk with us to learn how your company can start processing payments.

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Processing Rates

If Company Pays

Interchange Model
  • 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

If Payor Pays

Interchange Model
  • 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

Inclusive Payments

Remote Cash Acceptance
  • $2.50 processing fee — Payor Pays

Learn More

The Best Fit for Family-Service Industries

Overhead view of a person working on a computer.

Software as a Service

For SaaS companies looking to make a difference while adding lasting value to their product.

A teacher in front of a class.


For educators looking to accept payments without adding barriers to 30% of their families.

A teacher and student, working.


For tutoring companies large and small, looking to add a simple and inclusive way to invoice.

A teacher and student during a piano lesson.

Child Activities

For activities of all kind, looking to accept payments in an organized an inclusive manner.

Hands of a woman and child, coloring.


For childcare professionals looking to send invoices without adding barriers to their families.

Two healthcare professionals looking at a computer screen.


For healthcare professionals looking to increase their total collected payments.

Contact Us

We love talking payments! Get in touch and let's talk about how Pay Theory can help your business or organization.

Get in Touch
Is there a cost for any of your products?

No. It’s free to work with us and our entire payment suite is free to use.

Are there any hidden fees (subscription, monthly, etc.) ?

No. We make money off fees tied into the payment.

Can revenue sharing apply to our platform?

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 project form below.

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