Freepay alternative

The Name Says Free. The Price List Says 99 DKK/Month.

Freepay's published price is 99 DKK/month for the gateway, with acquiring billed separately by a partner acquirer from 0.99% plus 0.30 to 0.80 DKK per authorization. Using Nets, including for Dankort, adds 49 DKK/month plus 0.80 DKK per transaction. Cost+ has no monthly fee and one all-in IC++ price covering gateway, acquiring and 3DS.
See your exact rate
Freepay
Specialist industries

Built for Complex and Regulated Verticals

Freepay's published price list does not provide general eligibility criteria for specialised industries. Merchant acceptance requires a separate acquirer agreement, so current eligibility should be confirmed with Freepay and the relevant acquirer. Cost+ supports specialised industries such as CBD, iGaming, forex, nutraceuticals and vape, with dedicated MIDs, ISO status and direct banking relationships across Europe and Scandinavia.
Freepay
Why Cost+

Compare the Published Pricing Structures

Separate gateway and acquiring charges

With Freepay you hold a gateway agreement at 99 DKK/month, paid to Freepay, and a separate acquiring agreement. Published EU card rates start at 0.99% plus a 0.30 to 0.80 DKK authorization fee per transaction, billed directly by the acquirer. Using Nets, including for Dankort, adds 49 DKK/month plus 0.80 DKK per transaction to Freepay, plus Nets acquiring fees.

One Cost+ agreement

With Cost+ you hold one agreement: interchange + card scheme fee + our 0.50% margin + EUR 0.15 per authorization, covering gateway, acquiring and 3DS. There is no monthly fee.

Every component is itemised

Every Cost+ transaction is itemised so you can verify each component yourself.
Fee comparison

Cost+ and the Freepay Setup Side by Side

Compare the published gateway, acquiring and payment-method structure. Freepay prices are exclusive of VAT.
Feature
Cost+
Freepay setup
Monthly gateway fee
0 DKK
99 DKK/month
Card processing
Interchange + scheme fee + 0.50% + EUR 0.15 authorization, one contract, all-in
Separate acquirer agreement: EU cards from 0.99% with Trust Payments, Shift4 or Elavon to 1.25% with Clearhaus, plus a 0.30 to 0.80 DKK authorization fee per transaction
Dankort
Included
Using Nets, including for Dankort: 49 DKK/month + 0.80 DKK/transaction to Freepay, plus Nets acquiring at 0.32% for Dankort + 0.54 DKK authorization
MobilePay
Zero monthly subscription with IC++ pricing; an optional flat-fee agreement is available for eligible low-risk merchants
49 DKK/month + 1.02 DKK/transaction
Contracts and invoices
One
Gateway plus acquirer, billed separately
Specialist-industry eligibility
Supported, subject to underwriting
General eligibility criteria are not stated in Freepay's published price list; confirm with Freepay and the relevant acquirer
Your own card mix

See Your Exact Rate

Use our fee calculator to compare your own transaction volume and card mix.
Open the fee calculator
H Moosa
Jan 20, 2026

“Amazing from start to finish. Would recommend for anyone looking for a payment provider for their Shopify store. 10/10”
IC++ BREAKDOWN

How Our Pricing Works

Every Cost+ transaction is broken down into four transparent components:
Interchange
Set by Visa/Mastercard
Card Scheme Fee
Network Cost
Your Total Cost
Nothing else
0.50% Margin
Our Markup
€0.15 Auth Fee
Authorization Cost
Cost+ vs. Freepay

Frequently Asked Questions

Answers based on Freepay's published price list and support pages.
Signing up and testing are free. Once an acquirer is activated, Freepay's published gateway price is 99 DKK/month, excluding VAT. Acquiring is billed separately by a partner acquirer at published EU card rates from 0.99% plus a 0.30 to 0.80 DKK authorization fee per transaction. Using Nets, including for Dankort, adds 49 DKK/month plus 0.80 DKK/transaction. Source: Freepay's published price list, verified 31 August 2026.
Example based on Freepay's published prices: a shop processing 500 EU consumer card transactions of 400 DKK each, for 200,000 DKK in volume, through Freepay with Trust Payments pays 99 DKK for the gateway, 1,980 DKK in acquiring at 0.99%, and 400 DKK in authorization fees at 0.80 DKK per transaction. The total is 2,479 DKK, about 1.24% of volume, excluding VAT and before Nets or MobilePay add-ons. Compare your own card mix in our fee calculator.
Using Nets, including for Dankort, adds 49 DKK/month plus 0.80 DKK per transaction paid to Freepay, on top of Nets acquiring. Freepay publishes Nets acquiring for Dankort at 0.32% plus a 0.54 DKK authorization fee. Cost+ includes Dankort in its standard offering with no add-on fee.
Freepay's published price list does not provide general eligibility criteria for specialist industries. A separate acquirer agreement is required, so current merchant eligibility should be confirmed with Freepay and the relevant acquirer. Cost+ supports specialist merchants, subject to underwriting.
The published setup has a Freepay gateway agreement and a separate acquiring agreement billed directly by the acquirer. Using Nets adds a further Freepay fee layer. Cost+ bundles gateway and acquiring into one agreement and one invoice.

Freepay prices last verified on against Freepay's published price list. Freepay's prices are stated exclusive of VAT. Acquirer fees are agreed and billed directly between the merchant and the acquirer and may vary by individual contract. Prices may change after the verification date. Freepay is a brand of Freepay ApS. Cost+ (Costplus OÜ) is not affiliated with, endorsed by or sponsored by Freepay ApS.

Stop Guessing

Still Got Questions?
We’ve Got Answers

Contact our sales team for setting up your Cost+ account and receive your first payments
Contact Sales