Monthly volume
How much you process each month, and how steady it is across the year.
Pricing
Rates built around your business.
No price list to decode. Tell us how you sell and we send a written proposal: your rates per market and method, the payout schedule and everything included.
Sample · How Northlight joined
How Northlight's rate was set
Northlight Goods LLC
01Call
Thu, Feb 5Volume, markets, methods, ticket
02Written proposal
Mon, Feb 99 rates · accepted Wed, Feb 11
03Live
Tue, Mar 3Verified · 9 methods · 6 markets
- Proposal
- within 2 business days
- Rates apply
- once you accept
How it works
From first call to first payout.
One conversation, one proposal you can read before you sign anything, and a team that stays until the money is moving.
Sample · Northlight, pre-launch
Tell us about Northlight
Northlight Goods LLC
Current volume
$120,000
Average ticket
$85
Markets
- US · United States
- BR · Brazil
- EU · Eurozone
- GB · United Kingdom
- MX · Mexico
- IN · India
Payment methods
Takes payments today
Online store, on another provider
Call booked · Thu, Feb 5 · 10:00
Proposal for Northlight Goods
Per successful payment
- USCards2.9% + $0.30
- GBCards1.5% + £0.20
- EUCards1.5% + €0.25
- BRPix0.99%
- MXOXXO3.9%
Payouts & tools
- PayoutsT+1 free · instant 1%
- Websites & appsIncluded
Valid until Mar 11Accept
Websites & apps included
Northlight onboarding
Northlight Goods LLC
Business verified
Northlight Goods LLC · Feb 12
Methods enabled
9 methods · 6 markets · Feb 16
Store connected
northlight.sparkio.site · Feb 27
First payout scheduled
T+1 · Chase •••• 6789
Live · since Tue, Mar 3
No setup fee and no monthly fee. You pay per payment, at the rates in your proposal.
What shapes your rate
Six things shape your rate.
We ask about each of them on the call. Your proposal prices the mix you actually have, not an average merchant's.
Markets & currencies
Where your customers pay and where you settle. Domestic payments cost less to process than cross-border ones.
Payment methods
Cards, wallets and local methods such as SEPA Debit or OXXO each carry different network costs.
Average ticket
A fixed fee per payment weighs more on small tickets than on large ones, so the structure of the rate follows yours.
Risk & chargeback profile
Your category, delivery times and dispute history shape the risk we take on as your acquirer.
Payout schedule
Daily, weekly or instant payouts, and the currencies you want to settle in.
Always included
Included with every account.
Whatever your proposal says, everything below ships with the account on day one, at any volume.
Builder
Websites, apps and hosted checkout pages, with one custom domain per project and SSL included.
Dashboard
Payments, payouts, balances and disputes in one ledger, with exports and team roles.
Fraud screening
Velocity rules, device signals and network data on every payment, tuned per market.
3-D Secure 2
Risk-based authentication that steps in only when it raises approval or the law requires it.
Webhooks
Signed events for every state change, with retries, replay and a delivery log you can read.
Support
Email support with engineers on the rota, and a status page that tells the truth.
Larger volumes
More volume, more markets, a team of your own.
From about $1M a month, or with several legal entities, a proposal can go further: other pricing models, your own merchant IDs and people who know your account by name.
Volume thresholds are placeholders until finance signs off.
Interchange++
Network costs passed through as they are, plus one margin you can check on every payment.
Dedicated acquiring
Your own merchant IDs with the local schemes, and routing tuned to your approval rates.
A named team
An account manager and a technical contact who know your setup, with response times written into the contract.
Multi-entity
One dashboard across legal entities and currencies, with settlement per entity.
Questions
Questions about pricing.
- Why is there no public price list?
- Because the cost of a payment depends on how and where it is made. A domestic card, a local method and an international card each cost something different, and so does a small shop compared with a business selling in several countries. One public rate would overcharge most businesses or hide the difference in fine print, so we price the mix you actually have.
- How fast will I get a proposal?
- Within two business days of the call or the form, in writing. If something is missing to price it properly, we ask rather than guess.
- Is there a setup fee or a monthly fee?
- No. There is no setup fee and no monthly fee. You pay per successful payment, at the rates in your proposal.
- Can I try it before talking to sales?
- Yes. Create an account and you get sandbox keys, test cards and test payments for local methods, without a contract. Live payments start once we have verified the business and you have accepted a proposal.
- What happens if my volume changes?
- Your rates stay as written until both sides agree to new ones. If your volume, markets or methods change, ask for a review; any new rates come to you in writing before they apply.
- Will you match a competitor's rate?
- Not automatically. Send us what you pay today and we will tell you plainly whether we can beat it, match it or not, and why. Compare the whole cost too: payouts, currency conversion, disputes and the tools you would stop paying for separately.
Get a proposal built for how you sell.
A short call or form, then your rates in writing within two business days. Nothing applies until you accept them.