Transparent pricing, built around your business

You get modern fintech infrastructure and private-bank-grade service under a conventional per-transaction fee. We’re invested in building a tailored pricing model that drives your profitability and reduces operational burden.

How we build your tailored pricing model

01

We start with your business

We analyse your payment flows, markets, volumes, risk profile, and operating needs to define the right mix of products, features, settlement terms, and service.

02

Then we price the setup around it

You get a tailored per-transaction rate and pricing structure designed around your actual flow, giving you the right level of cost control, visibility, and predictability.

Every product is priced on its own terms

Payment acceptance

Pricing breakdown

Fee for acquiring

Refund fee

Chargeback processing fee

FX fee (general commercial course)

Monthly account management / maintenance fee

Payment methods

Payouts

Pricing breakdown

Fee for payout transaction

FX fee (general commercial course)

Monthly account management / maintenance fee

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Payment methods

Human-led service included in transaction price

Individual product setup

Products, features and settlement terms configured for your flow.

Success manager

One person who knows your account and stays within reach.

Performance checks

Scheduled reviews of payment efficiency, with optimisation applied.

C-level within reach

Strategy, partnership, and edge cases are discussed at the top of the house.

What you never pay for additionally

Setup and integration

Sub-merchant onboarding

Business portal, payment pages

API calls

Infrastructure maintenance

Account support & business advisory

Ways to structure what you pay

IC++ / Cost-plus

Interchange (for acquiring) + Scheme fees + FMPay margin

Every component is passed through at actual cost and shown as its own line. Our margin, a percentage or a fixed fee, is the only part open to negotiation. Your cost then follows the payment-method mix your business actually produces.

Maximum detail

Blended

% of transaction value + Fixed fee per transaction

Interchange and scheme fees are folded into a single agreed-upon rate, and we absorb the variance. The rate can run universally across all transaction types, or split into separate domestic and cross-border pricing.

Fewer moving parts

Fixed cost

Fixed fee per transaction

One amount per transaction with no percentage component, whatever the value, method or market. It suits flows with a stable average ticket and makes higher-value payments particularly economical to process.

Simple to model

Monthly fee

Fixed monthly charge for an agreed volume

A single invoice each month, set against the volume you process. Transaction counts move within the agreed band without changing what you pay, with separate terms defined for amounts beyond it.

Maximum predictability

What your individual rate depends on

We don’t publish standard blended rates or IC++ margins. Both are tailored to each client based on their business profile and key commercial factors.

Cost of the operation

The floor is set by your card mix and payment geography.

Risk profile

Vertical, chargeback history, and delivery terms.

Flow economics

Average ticket, transaction count, and approval rate.

Infrastructure complexity

Integration depth, currencies, and entities.

Advisory scope

How much strategic and operational support you draw on.

Let us build the optimal payment model for your flow

Contact experts

Domestic pricing in both UK and EU markets

We act as your local acquirer in the United Kingdom, and our own brand in the EU lets you run domestic European volume through the same partner.

Visit the FMPay EU website
Local acquirer European Union United Kingdom Local acquirer One partner - same relationship

Lower rates don’t always mean lower costs. The right pricing model does

Costs you can see are costs you can lower

Itemised reporting turns payments into something you change and measure again. Managed cost falls over time.

Your savings reach your invoice

Every gain from 3DS, tokenisation or local acquiring lowers your interchange, and your bill moves with it. That is what keeps the next optimisation project funded.

Reviews that lower what you pay

Agreed thresholds on volume, method mix and chargeback ratio trigger a rate review. As your business improves, your pricing improves with it.

Less to manage, month after month

You choose the level of detail your finance team can act on, so nobody spends hours reconciling numbers they will never use.

No hidden line items

Every charge appears on your statement under its own name and logic, so there is never a residual figure nobody in the room can explain.

Unit economics you can trust

Cost per transaction stays a firm number by corridor and card type, so you can price your product against it with confidence.

Get your custom pricing model

We act as your local acquirer in the United Kingdom, and our own brand in the EU lets you run domestic European volume through the same partner.