Pricing
One margin, quoted against your real bill
No public sticker rate, no stack of surcharges. We read your current processing statement and quote one number you can check against it.
Send your statement
A recent month from your current PSP — volume, average order, buyer geography, refund and dispute history.
We quote one margin
A single all-in rate, effective-dated, that comes in under your current stack once every surcharge is counted.
You keep more
Your purchase price is retail × (1 − margin). Payables accrue per order in a ledger you can see, and settle on your schedule.
Where a flat rate leaves money on the table
Flat-rate merchants of record charge one published number to everyone, and quietly add cross-border and currency fees on top. We quote individually, against your actual mix.
| Model | Headline | Hidden extras | Rate is… |
|---|---|---|---|
| Flat-rate MoR (Paddle, Lemon Squeezy) | 5% + 50¢ | Up to ~1.5% FX; payout/wire fees | Same for everyone |
| Flat-rate MoR (Creem) | 3.9% + 40¢ | Partner rates custom | Same for everyone |
| Opaque MoR (FastSpring, PayPro) | Quote only | FX 3.5–5.5%; chargeback fees | Not published |
| Creator marketplace (Gumroad) | 10% + 50¢ | Far above processing cost | Same for everyone |
| Pandycon | One margin | None — conversion is a visible line | Negotiated against your bill |
Competitor rates are their own published figures as of November 2026 and are shown for comparison only. Your Pandycon quote depends on your volume and mix.
What the margin includes
Processing across acquirers
Card acceptance routed to the acquirer that clears it best, with retry and failover built in.
The seller's obligations
Invoices, tax treatment per line, refunds, chargebacks and first-line buyer support — all ours.
Billing and tooling
Subscriptions, promo codes, the buyer portal and a double-entry ledger, with nothing billed as an add-on.
Want the number?
Send last month's statement and we come back with one margin and the settlement terms.