Pay only when you get paid.
No monthly fees. No setup fees. No surprise charges. Just simple per-transaction pricing that scales down as you grow.
- Everything you need to start
- All payment methods
- Hosted checkout
- Payment Links & Invoicing
- Subscriptions & customer portal
- Real-time analytics
- Next-business-day payouts
- 24/7 email support
- Everything in Standard
- Volume-tiered pricing
- Priority routing & retries
- Instant payouts (30 min, 24/7)
- Dedicated account manager
- SLA-backed uptime
- Custom reporting & data exports
- 24/7 phone support
- Advanced fraud tools & rules
- Interchange++ pricing
- Custom contracts & MSA
- Named CSM & solutions engineer
- Dedicated infrastructure
- White-glove onboarding
- Custom SLAs (up to 99.999%)
- Sandbox tenants & staging environments
- Bespoke fraud modelling
- Multi-currency settlement
Every rate, published, no small print.
This is the entire Paytab fee schedule. What you see is what you pay — every line is what shows up on your monthly statement.
| Item | Rate |
|---|---|
| UK & EEA cards | 1.4% + 20p |
| International cards | 2.9% + 20p |
| American Express (UK) | 1.9% + 20p |
| Apple Pay & Google Pay | Same as underlying card |
| Klarna & Clearpay (BNPL) | 3.4% + 20p (paid by merchant) |
| SEPA Direct Debit | 0.8% capped at £1.60 |
| BACS Direct Debit | 0.8% capped at £1.60 |
| Open Banking / Pay by Bank | 0.6% capped at 60p |
| PayPal (via Paytab) | 1.9% + 20p |
| UK payouts (Faster Payments) | Free — next business day |
| Instant payouts (Growth+) | 1% of payout amount |
| SEPA payouts | 20p per payout |
| International payouts | £3 per payout + FX |
| Currency conversion (FX) | 1% above interbank |
| Refunds | Free (original fee not returned) |
| Disputes & chargebacks | £15 per dispute (waived if won) |
| Charity/non-profit rate | 1.0% + 20p on all UK card payments |
Rates are published standard rates for UK-registered merchants and may be adjusted for verified volume, industry risk category, or bespoke contracts. Your final rate card is confirmed in writing during onboarding before your first live payment.
Included from day one, on every plan.
No feature gating. No "call for quote" upsells. Everything below is available to a business that signed up for a free account five minutes ago.
- Unlimited team members
- Unlimited API calls
- Test mode identical to live
- Hosted, embedded and mobile checkout
- Apple Pay & Google Pay
- 40+ payment methods
- PCI DSS Level 1 handling
- Full 3D Secure 2 & SCA
- Adaptive fraud scoring
- Signed webhooks with replay
- Live request logs
- Granular API keys
- MRR, ARR, LTV & cohort analytics
- Payout reconciliation reports
- CSV & Excel exports
- Xero, QuickBooks & Sage sync
- Shopify, WooCommerce, Magento plugins
- Zapier & Make automations
- Customer portal for subscribers
- Branded receipts & invoices
- Multi-currency pricing
- Automatic tax calculation
Rates that scale down as you scale up.
Automatic monthly volume discounts on the Growth plan. No renegotiation, no annual haggle.
| Monthly volume | Rate (UK cards) | Payout speed |
|---|---|---|
| Up to £50,000 | 1.4% + 20p | Next business day |
| £50,000 – £250,000 | 1.2% + 20p | Instant available |
| £250,000 – £1M | 1.0% + 20p | Instant included |
| £1M – £5M | 0.9% + 20p | Instant included |
| £5M+ | Interchange++ | Custom |
No monthly, no setup, no PCI compliance, no gateway fee.
Self-serve onboarding. Most merchants take their first live payment the same day.
Median first-response time under 12 minutes — 24 hours a day, 365 days a year.
FCA-authorised Payment Institution. Funds safeguarded by law.
Common questions about pricing
Are there any monthly or setup fees?
No. The Standard and Growth plans have no fixed fees. Enterprise plans may include a minimum commitment negotiated as part of your contract.
What happens if I don't hit £50k/month?
Nothing. You stay on the Standard plan and pay 1.4% + 20p. As soon as you cross the volume threshold, you're automatically eligible to move to Growth.
How do refunds work?
Refunds are free to process, but the original transaction fee (1.4% + 20p) is not returned by the card networks, so it stays deducted from your balance.
What about chargebacks?
A £15 chargeback fee applies per dispute. If you successfully defend the chargeback and the funds are returned, we refund the £15.
Can I settle in multiple currencies?
Yes. All plans support accepting 135+ currencies. Multi-currency settlement (holding balances in GBP, EUR and USD) is available on Growth and Enterprise.
Do you offer charity or non-profit pricing?
Yes. Registered charities pay 1.0% + 20p on UK cards. Contact us with your charity number to apply.
Is there a discount for annual commitment?
Growth plans can be discounted with a 12-month commitment. Enterprise contracts are fully bespoke.
What payment methods are included?
Every payment method is included on every plan — no method-specific gating. You only ever pay the per-transaction rate above.
Ready to start?
Sign up in under a minute. Take your first live payment today.