pensopay alternative

A 1.25% Acquiring Component Plus Plan Fees. Or IC++.

pensopay, part of Visma, packages a payment gateway and acquiring agreement together on its English price list. BASIC costs EUR 0/month plus EUR 0.70 per transaction, START-UP costs EUR 9/month plus EUR 0.20 per transaction, and PRO costs EUR 18/month including 250 transactions, then EUR 0.08 per additional transaction. Each plan adds 1.25% for EU cards or 2.75% for cards issued outside the EU/EEA. Cost+ has no monthly fee and charges interchange + card scheme fee + 0.50% + EUR 0.15 per authorization.
See your exact rate
pensopay
Merchant eligibility

The Acquirer Reviews Each Application

pensopay's terms say an acquiring agreement selected through pensopay is issued after the acquirer approves and registers the merchant. Its published price pages do not state general eligibility criteria for specialist industries. Merchants should confirm their precise business model with pensopay before applying. Cost+ considers specialist merchants subject to underwriting and risk assessment.
pensopay
Why Cost+

Compare the Published Pricing Structures

Acquiring is included in the published package

pensopay's BASIC, START-UP and PRO pages state that the acquiring account is included. The 1.25% EU-card or 2.75% non-EU/EEA-card component is therefore not followed by an invented additional acquiring uplift.

The transaction fee depends on the plan

BASIC charges EUR 0.70 per transaction. START-UP charges EUR 0.20 per transaction and EUR 9/month. PRO costs EUR 18/month, includes 250 transactions each month and charges EUR 0.08 for each additional transaction.

Cost+ passes through the underlying card costs

Cost+ charges the actual interchange and card scheme fee, then adds a 0.50% margin and EUR 0.15 per authorization. Gateway, acquiring and 3DS are covered, with no monthly fee.
Fee comparison

Cost+ and pensopay Side by Side

The main comparison uses pensopay's English EUR price list. Its Danish price list uses separate native DKK figures and is not a currency conversion.
Feature
Cost+
pensopay
Monthly plan fee
EUR 0
BASIC EUR 0; START-UP EUR 9; PRO EUR 18
EU cards
Interchange + scheme fee + 0.50% + EUR 0.15 per authorization
1.25% acquiring component, plus EUR 0.70 per transaction on BASIC, EUR 0.20 on START-UP, or 250 included each month then EUR 0.08 on PRO
Cards issued outside the EU/EEA
The same IC++ formula, with actual interchange and scheme fees passed through
2.75% acquiring component, plus the applicable plan transaction fee
MobilePay Online add-on
Zero monthly subscription with IC++ pricing; optional flat-fee agreement for eligible low-risk merchants
EUR 6.40/month + EUR 0.13 per transaction as a published subscription add-on
Included transactions
No monthly plan threshold
PRO includes 250 transactions each month; additional transactions cost EUR 0.08 each
Monthly commitment
No monthly fee
Free setup, no binding period and plan changes available month to month
Agreement structure
One Cost+ agreement covering gateway and acquiring
Published package includes a gateway and acquiring agreement; the acquiring agreement remains subject to acquirer approval
Your own card mix

See Your Exact Rate

Use the fee calculator to compare the right pensopay plan with your own transaction volume, average basket and card mix.
Open the fee calculator
Johan
Jan 21, 2026

“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”
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. pensopay

Frequently Asked Questions

Answers based on pensopay's English and Danish price lists and its published terms.
Yes. pensopay's BASIC, START-UP and PRO plan details state that an acquiring account is included. The English price list then publishes a 1.25% component for EU cards and 2.75% for cards issued outside the EU/EEA, plus the transaction fee for the selected plan. No extra acquiring uplift should be added to those published package rates. The acquiring agreement is still issued after approval by the acquirer.
Assumptions: 500 transactions each month at an average basket of EUR 50, for EUR 25,000/month and EUR 300,000/year; 100% EU consumer debit cards; and PRO pricing. pensopay is EUR 18 + (250 additional transactions x EUR 0.08) + (EUR 25,000 x 1.25%) = EUR 350.50/month. At the same activity for 12 months, the calculation is EUR 216 in plan fees + EUR 240 for 3,000 additional transactions + EUR 3,750 at 1.25% = EUR 4,206/year. For Cost+, assuming 0.20% interchange, 0.10% scheme fee and the 0.50% margin, the calculation is EUR 200 + (500 x EUR 0.15) = EUR 275/month, and EUR 2,400 + EUR 900 = EUR 3,300/year.
pensopay's English price list states a 2.75% acquiring component for cards issued outside the EU/EEA. The applicable BASIC, START-UP or PRO transaction fee still applies, so 2.75% should not be presented as the complete package price by itself.
Yes. The Danish price list describes the included acquiring agreement as covering Visa/Dankort, Visa and Mastercard. That page uses native Danish prices, including DKK 4 per transaction on BASIC, DKK 49/month plus DKK 1 per transaction on START-UP, and DKK 129/month including 250 transactions then DKK 0.25 per additional transaction on PRO. Those figures are not conversions of the English EUR prices.
pensopay's published price pages do not state general specialist-industry eligibility criteria. Its terms say the acquiring agreement is sent after the acquirer approves and registers the merchant. A merchant should therefore confirm the precise business model with pensopay before applying. Cost+ considers specialist merchants subject to underwriting and risk assessment.

pensopay prices and terms last verified on . against pensopay's English price list, pensopay's Danish price list, pensopay's English terms. The cited pensopay price pages do not state whether displayed fees include VAT. Applicable VAT may apply. Prices and terms may change after the verification date. pensopay A/S is part of Visma. pensopay and related marks are property of their respective owners. Cost+ (Costplus OÜ) is not affiliated with, endorsed by or sponsored by pensopay, pensopay A/S or Visma.

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