Transparent pricing
Pay for successful transactions. No setup fee. No hidden fees. Declined payments and the sandbox cost nothing, and every rate on this page is the rate you will find in your contract — we do not quote one number and invoice another.
Three plans. One contract.
Every plan includes the payment gateway, 150+ currencies, 3-D Secure 2.2, the merchant dashboard and 24/7 support. Start when you are ready and move up when the volume grows — the integration and your API keys stay the same.
Start
No monthly feePer successful transaction with an EU consumer card. Nothing to pay until you process, nothing to pay when you pause.
- Monthly fee
- €0
- Settlement
- T+3 business days
- Best for
- Up to €20,000 a month
- Hosted payment page, plugins and REST API
- Visa, Mastercard, Apple Pay and Google Pay
- Settlement in EUR, USD and GBP
- Standard fraud rules and 3-D Secure 2.2
- Payment links and invoices
- Dashboard for 3 users, CSV export
- 24/7 support by chat and e-mail
Business
Most popularPer successful transaction with an EU consumer card, plus €99 a month. The exact rate depends on your volume, industry and card mix.
- Monthly fee
- €99
- Settlement
- T+1 business day
- Best for
- €20,000 – €500,000 a month
- Everything in Start
- Personal manager 24/7
- Smart routing across 15+ acquirers
- Custom fraud rules, ML scoring, chargeback alerts
- Settlement in 25 currencies, 0.5% FX mark-up
- Subscriptions and mass payouts from €0.25
- Unlimited dashboard users and roles
Enterprise
From €500,000 a monthInterchange and scheme fees passed through at cost plus a fixed Target margin. Individual monthly fee, contract and SLA.
- Monthly fee
- Individual
- Settlement
- Same day
- Best for
- €500,000+ a month
- Everything in Business
- Dedicated infrastructure and 99.99% SLA
- Local acquirers for new markets
- Dedicated risk analyst
- Individual FX and payout terms
- API exports and single sign-on
- Quarterly pricing review
Rates above are for EU consumer cards. EU commercial cards +0.5%, UK cards +0.6%, non-EU cards +1.0% — see the fee schedule below. A chargeback costs €15 and currency conversion 0.5% on every plan. Business and Enterprise rates are confirmed in writing before you sign.
Card fees by region
The card fee depends on where the card was issued and whether it is a consumer or a commercial card. Apple Pay and Google Pay are charged at the rate of the card behind them. On Enterprise, interchange and scheme fees are passed through at cost and shown line by line in every statement.
| Card region | Start | Business | Enterprise |
|---|---|---|---|
| EU consumer cardsVisa and Mastercard issued in the EEA | 1.9% + €0.20 | from1.4% + €0.20 | Interchange++indicative 0.7% + €0.10 |
| EU commercial cardsCorporate, business and purchasing cards | 2.4% + €0.20 | from1.9% + €0.20 | Interchange++indicative 1.9% + €0.10 |
| UK cardsConsumer and commercial cards issued in the UK | 2.5% + €0.20 | from2.0% + €0.20 | Interchange++indicative 1.7% + €0.10 |
| Non-EU cardsRest of the world, all card types | 2.9% + €0.20 | from2.4% + €0.20 | Interchange++indicative 2.05% + €0.10 |
| Apple Pay, Google PayTokenised card in a wallet | Same as the card | Same as the card | Same as the card |
Additional fees
| Fee | Amount | When it applies |
|---|---|---|
| Setup and integration | €0 | Never. Onboarding, the sandbox, test cards and plugin installation are free on every plan. |
| Declined transaction | €0 | Never. You pay for authorised and captured payments only; failed 3-D Secure checks are free as well. |
| Chargeback | €15 | Per dispute, charged when the issuer opens the case. Returned to you if you win the dispute. |
| Refund | €0.10 | Per refund, full or partial. The fee of the original transaction is not returned — the schemes keep their share. |
| Payout | from €0.25 | Per payout to a card, IBAN or e-wallet through mass payouts. SEPA transfers €0.25; cards and wallets from €0.50. |
| Currency conversion | 0.5% | Mark-up on the ECB reference rate when the payment currency differs from the settlement currency. How conversion works. |
| 3-D Secure 2.2 | Included | Every authentication, frictionless or challenge, on every plan. |
| PCI DSS Level 1 | Included | Tokenisation and the card vault. No compliance surcharge, no annual certificate fee. |
| Settlement to your account | Included | T+3 on Start, T+1 on Business, same day on Enterprise, in EUR, USD, GBP or any of the 25 settlement currencies. |
High-risk industries may carry a rolling reserve of up to 10% for 180 days. It is agreed before you sign, shown in the dashboard and released automatically. There are no other conditions that are not on this page.
Estimate your monthly fee
Move the slider to your monthly card volume, set the average order value and choose where most of your customers' cards are issued. The estimate uses the list rates above; the Enterprise figure is indicative and excludes the individual monthly fee.
At €32,000 a month Business costs €61 less than Start. The €99 fee pays for itself above €19,800 a month.
| Per month | Start | Business | Enterprise |
|---|---|---|---|
| Rate applied | 1.9% + €0.20 | 1.4% + €0.20 | ≈ 0.70% + €0.10 |
| Percentage fee | €608.00 | €448.00 | €224.00 |
| Per-transaction fees | €142.20 | €142.20 | €71.10 |
| Monthly fee | €0 | €99 | Individual |
| Total per month | €750.20 | €689.20 | ≈ €295.10 |
| Effective rate | 2.34% | 2.15% | ≈ 0.92% |
The estimate assumes every payment succeeds and settles in the payment currency, so it excludes refunds, chargebacks and conversion. Business is shown at the floor rate for the region; your contract rate is confirmed after a short review of your statements. Enterprise uses typical interchange and scheme fees for the region plus a 0.25% margin and €0.10 per transaction.
More volume, lower rate
Processing more than €150,000 a month? Send us three months of statements and we will quote below the list rate, usually within one business day. From €500,000 a month you move to Enterprise and interchange++, where a blended rate under 1% on EU consumer cards is the norm, not the exception.
A payment the issuing bank authorised and we captured. You pay the percentage and the fixed fee once, at capture. Declined, cancelled and expired authorisations cost nothing, and neither do 3-D Secure checks that do not end in a payment. A partial capture is charged on the captured amount only.
No. Start has no monthly fee and no minimum — a month with zero transactions costs €0. Business costs €99 a month from the first full calendar month after go-live; the first month is pro-rated to the day. Setup, onboarding, the sandbox and plugin installation are free on every plan.
Instead of one blended rate you pay three lines: the interchange the card issuer receives, the scheme fee Visa or Mastercard charges, and Target's fixed margin. Interchange and scheme fees are passed through at cost and shown for every transaction in your statement. It is cheaper on consumer debit cards, slightly dearer on premium and commercial cards, and transparent everywhere — which is why it is the default on Enterprise.
A refund costs €0.10 and the fee of the original transaction is not returned — the card schemes keep their share of it. A chargeback costs €15 when the issuer opens the case; if you win the dispute, the €15 comes back. Chargeback alerts on Business and Enterprise tell you about a dispute before it is filed, so you can refund the customer and avoid both the fee and the count against your ratio.
Yes, from the dashboard or through your manager. Moving from Start to Business takes effect on the next business day and the €99 fee is pro-rated. Moving down takes effect at the end of the current month. Enterprise terms are agreed individually and start when the addendum is signed. Your integration, tokens and API keys do not change on any move.