Your payments. Priced in the open.
Cost+ merchant dashboard. Example account data.
NoPayn is now Cost+. Some customer reviews refer to our previous name.
“Super good payment gateway with low fees! I cannot imagine using anyone else than NoPayn again. Super good payment.”
“The team was exceptionally fast and responsive, even outside of regular office hours. The onboarding process went smoothly.”
“I’ve been working with NoPayn for about two months now, and this is exactly what you want from a payment gateway, not just a service”
“Our payments run flawlessly, support is instant, and we feel genuinely valued as a partner, not just a merchant.”
“Amazing from start to finish. Would recommend for anyone looking for a payment provider for their Shopify store. 10/10”
“We are so happy with NoPayn. Payments processed perfectly. They handled the entire integration to Wix. The team have been fast.”
“Impressed by their transparent model and value given to high risk merchants! Im using their solution for my business also for B2B.”
“Super good payment gateway with low fees! I cannot imagine using anyone else than NoPayn again. Super good payment.”
“The team was exceptionally fast and responsive, even outside of regular office hours. The onboarding process went smoothly.”
“I’ve been working with NoPayn for about two months now, and this is exactly what you want from a payment gateway, not just a service”
“Our payments run flawlessly, support is instant, and we feel genuinely valued as a partner, not just a merchant.”
“Amazing from start to finish. Would recommend for anyone looking for a payment provider for their Shopify store. 10/10”
“We are so happy with NoPayn. Payments processed perfectly. They handled the entire integration to Wix. The team have been fast.”
“Impressed by their transparent model and value given to high risk merchants! Im using their solution for my business also for B2B.”
Compare your costs.
Illustrative sample data, not live rates · €25,000 / 500
One illustrative month: €25,000 in 500 payments of €50. Low-risk online EEA consumer Visa/Mastercard, eligible for each published plan. Cost+ assumes 0.20% interchange and 0.10% scheme costs; actual bank costs vary.
Published EUR prices checked 6 September 2026: Stripe Finland standard EEA, Mollie EEA consumer, pensopay PRO EU cards. Includes stated plan and transaction fees. Excludes refunds, disputes, payouts, Shopify, FX, optional services and taxes for every provider. Custom quotes can differ.
How IC++ works
Two pricing models. A clear choice.
Authorization · €0.09
Pricing details · EUR
Consumer cards, domestic / intra-EEA · Low risk. This example excludes Shopify, conversion, settlement and other applicable charges. Amex uses its flat percentage on both acquiring plans, plus the applicable fixed fees. No extra IC++ margin or bank-cost percentage is added.
Authorization: Per authorization attempt, for IC++ and blended. Processing gateway: Per successful transaction, for IC++ and blended.
Tier-1 processing network
From account to first payment
- Create an account
- Create a website entry in Cost+ and supply business information
- Complete the required checks
- Connect your integration
- Test before going live
Approval, settlement timing and any rolling reserve depend on underwriting and the merchant agreement.
Frequently asked questions
How do IC++ and blended pricing differ?
IC++ separates the actual interchange and card-scheme costs from the Cost+ margin. Blended pricing combines them into a published rate for your card type and region. Both include acquiring through Cost+. Applicable fixed fees are charged in addition to the percentage rate. Amex has its own rate.
What does a full or partial refund cost?
A fixed fee applies to each successful refund, whether full or partial. With acquiring through Cost+, use the refund fee in your currency's fee schedule. Gateway Only charges the same risk-specific gateway fee as a successful payment. Original payment fees remain with the original sale and are not charged again for the refund.
Are there setup or monthly fees?
No setup fee. No monthly fee. No separate 3-D Secure fee.
Which payment methods can I accept?
Cost+ supports cards including Visa and Mastercard, Apple Pay and Google Pay, and Nordic payment methods such as MobilePay, Vipps and Swish. Availability depends on your country, business and integration. Swish requires your own agreement with your bank. Apple Pay and Google Pay are not available through Cost+ on Shopify.
How secure and reliable is Cost+?
Cost+ uses PCI DSS Level 1 payment infrastructure with 99.99% uptime.
How do I start accepting payments with Cost+?
Create an account → Create a website entry in Cost+ and supply business information → Complete the required checks → Connect your integration → Test before going live. Approval, settlement timing and any rolling reserve depend on underwriting and the merchant agreement.