Quickpay alternative
Stop Paying for Your Payment Gateway Before You Make a Sale.
QuickPay charges you every month, regardless of your volume. At Cost+, we offer a True Pay-As-You-Go Cost+ model. No fixed fees. No monthly subscriptions. Just pure transparency.
HIGH-RISK FRIENDLY
Specialized Industry?
We Don't Discriminate
While
standard providers
like
often
freeze
accounts
in
'high-risk' sectors
(Nutra, Gaming,
SaaS, CBD),
our
ISO status
gives us the banking relationships to
secure
your MID.
We provide
stable, long-term processing
where
QuickPay might say 'No.'
For Startups
For Scale
WHY COST+
Perfect for Startups:
€0 Monthly Risk.
WHY COST+
For Scale: Wholesale Pricing via Cost+.
Why pay a €7 subscription fee and a €0.10 gateway fee per transaction on top of your acquiring rates? If you have a slow month, QuickPay still bills you.
With our model, if you don't sell, you don't pay. We only succeed when you do.
Your total cost per transaction with Cost+ = Interchange (set by Visa/Mastercard) + Card Scheme Fee + our 0.50% margin + €0.15 authorization fee. That's it. No gateway subscription. No separate acquirer.
QuickPay's €0.10 gateway fee is effectively their authorization fee - but you still pay an acquirer on top.
Our €0.15 auth fee covers it all: gateway, acquiring, and processing in one.
QuickPay acts as a gateway layer - you still need a separate acquirer on top.
Through our direct acquirer partnerships, we bundle gateway and acquiring into one contract.
By using Interchange++ (Cost+), we pass through the raw costs from Visa and Mastercard and only add a small, transparent margin. No hidden markups disguised as 'Gateway Fees.'
With Cost+, every transaction is broken down transparently: Interchange + Card Scheme Fee + 0.50% margin + €0.15 authorization fee.
Unlike QuickPay, there is no separate gateway or acquirer fee — our auth fee includes everything.
FEE COMPARISON
QuickPay vs. Cost+
Side by Side
Same features, different costs. See where Cost+ saves you money on every transaction.
Features
Monthly Subscription
€0.00
~€7.00/mo
Gateway / Authorization Fee
€0.00 (No separate gateway or auth fee)
~€0.10/tx (Gateway only) + Acquirer separate
Pricing Model
Intercharge + Scheme + 0.50% Margin + €0.15 Auth fee (All-in-one)
Subscription + Acquirer
Refund Fee
€0.25
€0.25
Chargeback Fee
€30.00
€35.00
High-Risk Support
Specialized / High Acceptance
Limited
Pay-as-you-go
Monthly Subscription
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.
Baldvin Bjarmarsson
Jan 21, 2026
“Super good payment gateway with low fees! I cannot imagine using anyone else than NoPayn again. Super good payment.”
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. QUICKPAY
Frequently Asked Questions
Pricing, fees, high-risk support, and what you'll pay with each provider.
How does Cost+ compare to QuickPay on pricing?
QuickPay charges approximately EUR 7/month subscription plus EUR 0.10 per transaction as a gateway fee, and merchants still need a separate acquirer on top. Cost+ has zero monthly fees and bundles gateway, acquiring, and processing into a single EUR 0.15 authorization fee plus IC++ interchange passthrough. QuickPay's chargeback fee is EUR 35 versus Cost+'s EUR 30.
Why is Cost+ better than QuickPay for startups?
Cost+ operates on a pure pay-as-you-go model with zero monthly subscriptions, making it ideal for startups with variable transaction volumes. QuickPay's EUR 7/month subscription and separate acquirer costs create fixed overhead even in slow months. With Cost+, merchants only pay when they process transactions.
Does QuickPay support high-risk merchants?
QuickPay has limited support for high-risk merchants. Cost+, as a licensed ISO/TSP, specializes in high-risk industries including CBD, gaming, SaaS, and nutraceuticals, providing dedicated Merchant IDs and stable processing for verticals that QuickPay may restrict or decline.
Do I need a separate acquirer with QuickPay?
Yes. QuickPay is a gateway-only provider, meaning the EUR 0.10/transaction gateway fee is just for routing — you still need a separate acquiring agreement with a bank or acquirer, adding another layer of fees. Cost+ bundles gateway, acquiring, and processing into one all-in-one contract with a single fee structure.
What is the total cost difference between QuickPay and Cost+?
With QuickPay, the total cost stacks three layers: monthly subscription (~EUR 7), gateway fee (EUR 0.10/tx), and separate acquirer rates. With Cost+, the total is simply interchange + scheme fees + 0.50% margin + EUR 0.15 auth fee. For most EU transactions, this all-in Cost+ cost is significantly lower because there are no layered fees or hidden acquirer markups.
