NoPayn is now Cost+

Three things changed in the rebrand:

The brand name. NoPayn is now Cost+ Payments, styled as "Cost+". Every customer-facing mention, every piece of marketing material, every email signature has been updated.

The legal entity name. Our Estonian company was legally renamed from NoPayn OÜ to Costplus OÜ. Same registration number, same company, same team — just a full name change. We didn't spin up a new entity or shuffle merchants between subsidiaries. The legal paperwork reflects the brand.

The domain. nopayn.io is now costplus.io. The old domain redirects permanently. Existing dashboard links, API endpoints under our domain structure, and documentation URLs have all been updated. Merchants who bookmarked the old dashboard URL will land in the right place.

Everything else — contracts, settlement accounts, acquiring relationships, support channels, pricing tiers, platform integrations — carried over unchanged.

The rebrand was a naming and identity update, not a pivot. Here's what didn't change:

IC++ pricing. Every transaction is still itemised into interchange (to the issuing bank), scheme fee (to the card network), and our flat markup. No blending, no hidden margins, no pricing increases tied to the rebrand.

The team. Theis Nordahl is still CEO and founder. Christian Mølholm, Esben Safavi Andersen, and Steffen Søndergaard Jensen are still running strategy, account management, and onboarding. Same people answering support tickets, same people approving merchant applications.

Merchant agreements. If you signed a contract with NoPayn OÜ, it's still valid and still binding. The legal entity name changed, but the entity itself is the same. You don't need to re-sign, re-onboard, or re-submit compliance documentation.

High-risk industry support. We still onboard CBD sellers, iGaming platforms, Forex brokers, nicotine pouches, cigars, vape shops, and cannabis merchants in jurisdictions where that's legal. That focus hasn't softened.

Processing partnerships. Our routing relationships with Rapyd, Shift4, Clearhaus, Swish, Vipps, and MobilePay didn't change. Same acquirer flexibility, same approval rate optimisations.

NoPayn started as a reaction to hidden fees — the name was shorthand for "no pain, transparent pricing." It worked as a conversation starter, but it didn't communicate what we do or how we do it differently.

Cost+ does.

The name reflects the pricing model directly. Merchants pay cost (interchange + scheme fee + network cost) plus our markup. That's IC++. The name is the value proposition: you see the cost, you see the plus, you see exactly where every euro goes.

It also solves a few practical problems the old name created:

Clarity in search. When merchants search "payment processor transparent pricing Europe," they don't search "NoPayn." They search "interchange plus," "IC++ pricing," or "cost-plus gateway." The new name aligns with the terms merchants already use.

Seriousness in high-risk industries. CBD and iGaming merchants deal with strict compliance requirements and cautious banking partners. A playful brand name sometimes undermined credibility in early conversations, even when our pricing and onboarding spoke for themselves. "Cost+" signals straightforwardness without the need for explanation.

Expansion readiness. As we add markets, currencies, and local payment methods, the brand needed to work across languages and regions. "Cost+" is short, pronounceable, and doesn't rely on English wordplay that falls flat in translation.

The rebrand aligns the name with what we've always actually done: show merchants the cost, add a known markup, and keep everything else visible.

If you're already processing with us, here's what you need to know:

Your dashboard login still works. We migrated all accounts to dashboard.costplus.io. Old bookmarks redirect automatically. Your username, password, two-factor setup, and saved payment methods are untouched.

Your pricing didn't change. The rebrand didn't trigger fee increases, tier shifts, or contract renegotiations. The interchange passthrough rate, scheme fee passthrough rate, and Cost+ markup you agreed to are still in force.

Your settlement account is the same. Payouts still land in the same IBAN you provided during onboarding. The sender name on bank statements now reads "Costplus OÜ" instead of "NoPayn OÜ," but the account, routing, and schedule are identical.

Your API keys still work. We didn't regenerate keys or rotate credentials as part of the rebrand. If you hardcoded "NoPayn" into internal logs or comments, you might want to update those for clarity, but the integration itself didn't break.

Your platform plugins auto-updated. If you're on Shopify, WooCommerce, Magento, PrestaShop, or any of our other native integrations, the plugin name and branding updated automatically in the next release. No reinstall required.

Support channels stayed live. helpdesk.costplus.io is the same system, same ticket history, same team. If you had an open ticket under the old brand, it's still open and still assigned.

Rebrand continuity is a feature, not a footnote.

We've seen processors use rebrand cycles to reset pricing, deprecate support, or force migrations. That's not this. Merchants who trusted us as NoPayn have exactly the same agreement, same team, and same transparency under Cost+.

If you're evaluating Cost+ for the first time, here's what the rebrand signals:

We're committing to transparency as the core product. The name isn't cute or abstract — it's a direct description of the pricing model. That indicates where our product focus is and will stay.

We're positioning for growth. Rebrands are expensive and disruptive. We took the hit now because we're planning to scale across Europe, add currencies, and expand into markets where a clearer brand helps. If you're choosing a processor for the next three to five years, you're choosing one that's investing in longevity.

We're not hiding our history. This post exists because we're not pretending NoPayn never happened. We launched as NoPayn, we served merchants as NoPayn, and we're explaining the change publicly. Transparency applies to our own story, too.

Documentation and trust signals are up to date. We used the rebrand as a forcing function to audit every page, every rate card, every integration guide, and every compliance statement. If you're comparing processors and checking for outdated information or abandoned URLs, you won't find them here.

The rebrand also removes a common early objection: merchants no longer need to get past the name to evaluate the product. "Cost+" communicates the offer before the first sales call.

Rebrands sound simple in a blog post — pick a name, update the logo, ship it. In practice, the update touched dozens of systems, legal filings, and external relationships.

Domain and DNS. We acquired costplus.io, migrated the site, set up 301 redirects from nopayn.io, and updated DNS records for email, SPF, DKIM, and DMARC. Every email domain now ends in costplus.io, and we verified deliverability across all major providers.

Dashboard and API. We migrated the merchant dashboard to dashboard.costplus.io, updated every reference in the API documentation at docs.costplus.io, and regression-tested every integration to confirm nothing broke. Webhooks, callback URLs, and API endpoint references stayed functional throughout.

Payment plugins. We updated the Shopify app, the WooCommerce plugin, the Magento 2 extension, the PrestaShop module, and every other native integration to reflect the new branding. Merchants on auto-update saw the change automatically; those on manual update can pull the latest version when convenient.

Marketing and content. We rewrote the homepage, the pricing page, the about page, and every help article. We updated footer disclaimers, email templates, invoice designs, and settlement report headers. We archived old email addresses and set up forwards so nothing bounced.

The goal was zero merchant downtime and zero surprise invoices or broken dashboards. We hit that goal.

The rebrand sets the foundation for what we're building next.

More currencies. We currently support EUR, GBP, USD, DKK, SEK, NOK, and ISK. We're evaluating PLN, CZK, and CHF based on merchant demand. The new brand and domain structure make those additions cleaner.

Deeper local method coverage. MobilePay, Vipps, and Swish are live. We're in conversations to add Bancontact, iDEAL, Przelewy24, and Multibanco. IC++ pricing works for card transactions; the same transparency model applies when we route local bank transfers and wallet payments.

Expanded high-risk onboarding. We've proven we can onboard and support CBD, nicotine pouches, and vape merchants at scale. The next step is publishing clearer underwriting guidelines, faster approval timelines, and dedicated account management for high-risk verticals.

Stronger developer experience. Our API documentation is solid, but we're investing in more SDK languages, better error messages, and interactive examples. The rebrand included a full audit of docs.costplus.io, and we're building on that foundation.

Content and education. Merchants don't just need a gateway — they need to understand interchange categories, scheme fee changes, chargeback prevention, and compliance requirements. We're publishing more posts like this one, more fee breakdowns, and more plain-English explanations of payment mechanics.

The rebrand isn't the end of a project. It's the clearing of the decks so we can build faster and communicate more clearly.

Most processors announce a rebrand with a polished press release, a new logo, and no detail about what actually changed or why. That's not our style.

You're trusting us with transaction data, settlement timing, compliance risk, and customer checkout experience. If we're asking for that trust, you deserve to know when something changes — even if it's just a name.

The rebrand from NoPayn to Cost+ reflects what we've learned in our first year:

• Merchants value clarity over cleverness.
• High-risk industries need processors that treat them as legitimate businesses, not edge cases.
• Transparent low pricing isn't a feature; it's the entire reason to choose a processor.
• Names matter, especially when you're explaining your offer to a CFO, a banking partner, or a compliance officer.

Cost+ is a better name for what we do. It's more accurate, more scalable, and easier to explain. The mission hasn't changed — IC++ pricing, high-risk support, European focus, climate-positive operations. We just gave it a name that matches.

If you're already processing with us, thank you for sticking with us through the transition. If you're evaluating processors and you want to see exactly where your fees go, contact our team or start onboarding at dashboard.costplus.io/register. Same transparent pricing, clearer name.