Freepay Alternative
'Free' Is Just the Name.
99 kr./Month Is the Price.
Freepay charges 99 DKK/month, plus 0.80 DKK per authorization, plus separate acquirer fees starting from 0.99%. And if you want Nets/Dankort? That's an extra 49 DKK/month. Cost+ has zero monthly fees and includes everything in one transparent IC++ price.
HIGH-RISK FRIENDLY
Freepay Doesn't Do High-Risk. We Do.
focuses exclusively on
low-risk
Danish e-commerce
and does not
support merchants
in specialized
industries.
If you
operate in
CBD,
nutraceuticals,
gaming
or other
verticals,
you'll need
to look
elsewhere.
was purpose-built
for these
industries.
Our
ISO status
and direct banking
relationships
provide stable,
long-term
merchant accounts
across 
Europe and
Scandinavia.For Startups
For Scale
WHY COST+
The Name Says Free. The Invoice Doesn't.
WHY COST+
Stop Subsidizing a 'Free' Brand with Your Transaction Fees.
Freepay's 'free' branding is misleading. You pay 99 DKK/month for the gateway, 0.80 DKK per authorization attempt (not just successful transactions), and separate acquirer rates from 0.99%. Add Nets/Dankort support at 49 DKK/month extra, and a small Danish webshop can easily pay 2,000+ DKK/month before even counting acquirer percentages.
With Cost+, you pay zero monthly fees. Zero gateway fees. Just IC++ pricing.
Your total cost per transaction with Cost+ is transparent = Interchange (set by Visa/Mastercard) + Card Scheme Fee + our 0.50% margin + €0.15 authorization fee.
With Cost+, you pay zero monthly fees. Zero gateway fees. Just IC++ pricing.
Freepay's 0.80 DKK/tx auth fee only covers gateway authorization — you still pay a separate acquirer on top.
Our €0.15 auth fee covers it all: gateway, acquiring, and processing in one.
At scale, Freepay's 0.80 DKK per authorization adds up to a massive hidden cost. Processing 20,000 transactions/month means 16,000 DKK/year in auth fees alone — on top of your 99 DKK/month subscription and acquirer rates.
Cost+ eliminates all of these layers. Through direct acquirer partnerships, we bundle gateway and acquiring into one contract. One price, fully transparent.
Every Cost+ transaction is itemized: Interchange + Card Scheme Fee + 0.50% margin + €0.15 auth fee.
Cost+ eliminates all of these layers. Through direct acquirer partnerships, we bundle gateway and acquiring into one contract. One price, fully transparent.
Freepay charges 0.80 DKK just for gateway auth.
Our €0.15 includes everything: gateway, acquiring, and 3DS.
FEE COMPARISON
Freepay vs. Cost+
Side by Side
Subscription fees, auth costs, Nets/Dankort pricing, and all-in-one vs. multi-provider setup compared.
Features
Monthly Subscription
0 DKK
99 DKK / Month
Authorization Fee
€0.15 (includes gateway + acquiring + 3DS)
0.80 DKK / tx (gateway auth only — acquirer separate)
EU Card Rate
Interchange + Scheme Fee + 0.50% + €0.15 auth fee
From 0.99% (+ gateway + auth fees)
Nets/Dankort Add-on
Included
+49 DKK / Month
Pricing Model
Interchange + Scheme + Margin + Auth Fee (all-in-one)
Subscription + Auth + Acquirer
High-Risk Support
Specialized / High Acceptance
Not supported
Get quick answers
Take the Short Way
Get to know how to saveup to 40% on payment processing by switching to Cost+’s IC++ model.
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
Hidden costs, auth fees, Nets/Dankort support, and high-risk processing compared.
Is Freepay really free to use?
Despite the name, Freepay charges 99 DKK/month subscription plus 0.80 DKK per authorization (gateway-only), and merchants still need a separate acquirer with rates starting from 0.99%. Adding Nets/Dankort support costs an extra 49 DKK/month. The real costs can quickly exceed 2,000 DKK/month for small Danish shops.
How do Freepay's authorization fees add up?
Freepay charges 0.80 DKK per authorization as a gateway-only fee. At 20,000 transactions per month, that equals 16,000 DKK per year in auth fees alone — on top of the 99 DKK monthly subscription and separate acquirer rates. Cost+ charges EUR 0.15 per auth that covers gateway, acquiring, and processing combined.
Does Freepay include Nets/Dankort support?
Not by default. Freepay charges an additional 49 DKK/month to add Nets/Dankort support. Cost+ includes Dankort support in its standard offering with no extra monthly fee, making it more cost-effective for Danish merchants.
Can Freepay process high-risk transactions?
No. Freepay focuses exclusively on low-risk Danish e-commerce and does not support high-risk industries. Cost+ supports high-risk merchants across Europe and Scandinavia, including CBD, gaming, forex, and vape, with dedicated MIDs and IC++ pricing.
Does Freepay charge for failed authorization attempts?
Freepay's auth fee is charged on all authorization attempts, not just successful transactions. This means merchants pay even when a transaction fails. Cost+'s EUR 0.15 authorization fee is part of an all-in pricing model that bundles gateway and acquiring into one transparent cost.
