Pricing and Fees
PaymentsAI charges two layers of fees:
- PaymentsAI platform fee — applied to every transaction processed through PaymentsAI, regardless of which gateway is used. See Platform fee by gateway.
- Gateway transaction fees — applied by the gateway that processes the payment. For the PaymentsAI Gateway, these are the fees in Transaction fees by region. For external gateways (Stripe, PayPal, Coinbase, Klarna, etc.), these are set by that provider under your separate agreement with them.
Platform fee by gateway
The PaymentsAI platform fee is charged on top of any gateway transaction fees.
| Gateway | PaymentsAI platform fee |
|---|---|
| PaymentsAI Gateway | 0.0% per transaction |
| Stripe | 1% per transaction (plus Stripe's own fees) |
| PayPal | 1% per transaction (plus PayPal's own merchant fees) |
| Coinbase | 1% per transaction (plus Coinbase Commerce fees) |
| Klarna | 1% per transaction (plus Klarna financing fees) |
| NMI | 1% per transaction (plus the backend processor's fees) |
| Splitit | 1% per transaction (plus Splitit's own fees) |
Every external gateway carries a 1% PaymentsAI platform fee per transaction, charged on top of that provider's own fees. Only the PaymentsAI Gateway has no separate platform fee — its transaction fees in the next section are the only PaymentsAI charge.
Transaction fees by region
The fees in this section apply only when payments are processed through the PaymentsAI Gateway. For external gateways, transaction fees are set by that provider — see Platform fee by gateway for the PaymentsAI surcharge.
Fees vary depending on the country your merchant account is registered in and whether the card used was issued in the same region.
United States
| Fee type | Rate | Per |
|---|---|---|
| Transaction (US-issued cards) | 2.9% + $0.30 | Transaction |
| Transaction (non-US-issued cards) | 3.9% + $0.30 | Transaction |
| Account updater | $0.50 | Account updated |
| Chargeback | $25.00 | Dispute |
| Reverse chargeback (dispute won) | $0.50 | Dispute |
| Refund | $0.05 | Refund |
| Application fee | $5.00 | One-time |
| Payout | $0.30 | Payout |
| Currency conversion | Market price | — |
Canada
| Fee type | Rate | Per |
|---|---|---|
| Transaction (CA-issued cards) | 2.9% + $0.30 | Transaction |
| Transaction (non-CA-issued cards) | 3.5% + $0.30 | Transaction |
| Account updater | $0.50 | Account updated |
| Chargeback | $25.00 | Dispute |
| Reverse chargeback (dispute won) | $0.50 | Dispute |
| Refund | $0.05 | Refund |
| Application fee | $5.00 | One-time |
| Payout | $0.30 | Payout |
| Currency conversion | Market price | — |
United Kingdom
| Fee type | Rate | Per |
|---|---|---|
| Transaction (UK-issued cards) | 1.5% + £0.20 | Transaction |
| Transaction (non-UK-issued cards) | 3.25% + £0.20 | Transaction |
| Account updater | £0.50 | Account updated |
| Chargeback | £25.00 | Dispute |
| Reverse chargeback (dispute won) | £0.50 | Dispute |
| Refund | £0.05 | Refund |
| Application fee | £5.00 | One-time |
| Payout | £0.30 | Payout |
| Currency conversion | Market price | — |
Europe
| Fee type | Rate | Per |
|---|---|---|
| Transaction (EU-issued cards) | 1.5% + €0.25 | Transaction |
| Transaction (non-EU-issued cards) | 3.25% + €0.25 | Transaction |
| Account updater | €0.50 | Account updated |
| Chargeback | €25.00 | Dispute |
| Reverse chargeback (dispute won) | €0.50 | Dispute |
| Refund | €0.05 | Refund |
| Application fee | €5.00 | One-time |
| Payout | €0.30 | Payout |
| Currency conversion | Market price | — |
Pro Features
Pro Features is an optional add-on that unlocks additional platform capabilities including automation rules, routing/backup gateways, and the tax tools (tax reporting, tax location management, and TaxJar integration). The tax tools are available to US merchants only; the other Pro Features are available to all merchants.
Enabling Pro Features adds a single 0.5% per-transaction fee. This is one fee for the whole add-on, regardless of how many Pro Features you use — it is not charged separately per feature.
To activate Pro Features, go to More → Settings → Billing in your dashboard, where you can activate or deactivate them.
Settlement Timing
Your first settlement is paid out 7 days after your first successful transaction. Subsequent payouts are processed within 48 hours of the settlement period closing.
Note:
Settlement timing may vary depending on your account risk profile and the payment methods used. Your Integration Consultant will confirm the exact schedule applicable to your account.