PensoPay Alternative
Why Pay a Subscription and Per-Transaction Fees and Acquirer Rates?
PensoPay layers three costs on top of each other: a monthly subscription, a per-transaction gateway fee, and separate acquirer rates. Cost+ replaces all of that with one transparent IC++ price.
HIGH-RISK FRIENDLY
Complex Fee Structures Hide Risk. We Don't.
multi-layered
pricing makes it
nearly impossible to
calculate
your
true cost
per transaction.
And if you're in a
specialized industry
their limited
risk appetite,
means you
may face
restrictions or
account closures.
offers
transparent
IC++ pricing
and
specialized
high-risk
acceptance
backed by our
ISO status
and direct
banking partnerships
For Startups
For Scale
WHY COST+
Three Fee Layers Is Two Too Many.
WHY COST+
Simplify Your Payment Stack. Cut Your Costs.
PensoPay's cheapest plan charges €0.20 per transaction as a gateway fee — before you even get to the acquirer's percentage. On their premium plans, you're paying up to €18/month plus €0.70/transaction plus acquirer rates.
With Cost+, there are no subscription fees, no gateway fees, and no separate acquirer. Just one all-in IC++ price.
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.
PensoPay's €0.20–€0.70/tx gateway fee is effectively their auth fee — but you still pay an acquirer on top.
Our single €0.15 auth fee covers it all: gateway, acquiring, and processing.
At high volumes, PensoPay's per-transaction gateway fee compounds into a significant hidden cost. Processing 10,000 transactions/month at €0.20/tx means €2,000/year just in gateway fees — on top of your acquirer rates.
Cost+ eliminates this layer entirely. We bundle gateway and acquiring into one contract through direct partnerships. One relationship, one contract, one transparent price.
Every Cost+ transaction is itemized: Interchange + Card Scheme Fee + 0.50% margin + €0.15 auth fee. No triple-layer stacking. One authorization fee that includes everything.
FEE COMPARISON
PensoPay vs. Cost+
Side by Side
Subscription, gateway fees, EU card rates, and all-in-one vs. multi-provider pricing compared.
Features
Monthly Subscription
€0.00
€0–€18 / Month
Gateway / Authorization Fee
€0.00 — no separate gateway or auth fee
€0.20–€0.70 / tx (gateway only — acquirer separate)
EU Card Rate
Interchange + Scheme Fee + 0.50% + €0.15 auth fee
From 1.25% (+ gateway fee + acquirer)
Pricing Model
Interchange + Scheme + Margin + Auth Fee (all-in-one)
Subscription + Gateway + Acquirer
Chargeback Fee
€30.00
DKK 150.00
High-Risk Support
Specialized / High Acceptance
Limited
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.
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
Fee layers, gateway costs, chargeback fees, and high-risk support compared.
Why does PensoPay have a three-layer fee structure?
PensoPay charges three separate fees: a monthly subscription (EUR 0–18/month), a per-transaction gateway fee (EUR 0.20–0.70/tx), and separate acquirer rates starting from 1.25%. This triple-layer stacking makes the true cost difficult to calculate. Cost+ eliminates all three layers with a single IC++ price.
How much do PensoPay gateway fees cost per year?
At 10,000 transactions per month with PensoPay's EUR 0.20/tx gateway fee, merchants pay EUR 2,000 per year in gateway fees alone — before acquirer costs are even added. Cost+ has zero gateway fees; everything is bundled into the EUR 0.15 authorization fee.
How do chargeback fees compare between PensoPay and Cost+?
PensoPay charges DKK 150 per chargeback, while Cost+ charges EUR 30 (approximately DKK 225 at current rates). However, Cost+'s all-in pricing model and dedicated MIDs help reduce chargebacks through better merchant-acquirer alignment.
Does PensoPay support high-risk industries?
PensoPay has limited risk appetite and may not accept merchants in industries like CBD, gaming, or forex. Cost+ specializes in high-risk verticals with dedicated Merchant IDs, no pooling, and IC++ pricing without hidden high-risk surcharges.
Is Cost+ simpler to use than PensoPay?
Yes. PensoPay requires managing two separate relationships (gateway provider and acquirer) with two different fee structures. Cost+ is an all-in-one provider — gateway, acquiring, and processing are bundled into a single contract with one transparent IC++ price, eliminating the complexity of managing multiple payment partners.
