The end of black box pricing

The Lowest Cost to Accept Payments. Period.

No markups. No hidden fees. We pass through wholesale bank rates and charge a single, transparent service fee. The most honest relationship in fintech
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Baldvin Bjarmarsson
Jan 21, 2026

“Super good payment gateway with low fees! I cannot imagine using anyone else than NoPayn again. Super good payment.”
Leon Marti
Jul 29, 2025

“The team was exceptionally fast and responsive, even outside of regular office hours. The onboarding process went smoothly.”
Johan
Jul 28, 2025

“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”
POD PLUG
Nov 19, 2025

“Our payments run flawlessly, support is instant, and we feel genuinely valued as a partner, not just a merchant.”
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”
KushKiez
Aug 13, 2025

“We are so happy with NoPayn. Payments processed perfectly. They handled the entire integration to Wix. The team have been fast.”
Ravn Sebastian Evensen
Jun 13, 2025

“Impressed by their transparent model and value given to high risk merchants! Im using their solution for my business also for B2B.”
Baldvin Bjarmarsson
Jan 21, 2026

“Super good payment gateway with low fees! I cannot imagine using anyone else than NoPayn again. Super good payment.”
Leon Marti
Jul 29, 2025

“The team was exceptionally fast and responsive, even outside of regular office hours. The onboarding process went smoothly.”
Johan
Jul 28, 2025

“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”
POD PLUG
Nov 19, 2025

“Our payments run flawlessly, support is instant, and we feel genuinely valued as a partner, not just a merchant.”
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”
KushKiez
Aug 13, 2025

“We are so happy with NoPayn. Payments processed perfectly. They handled the entire integration to Wix. The team have been fast.”
Ravn Sebastian Evensen
Jun 13, 2025

“Impressed by their transparent model and value given to high risk merchants! Im using their solution for my business also for B2B.”
The end of black box pricing

The High Cost of the Black Box

How a lack of transparency in payment systems leads to higher expenses
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0.8%
1.0%
1.2%
1.4%
1.6%
1.8%
2.0%
2.2%
The end of black box pricing

How IC++Works

Three components. Complete transparency.
You pay exactly what it costs—plus our margin.
Interchange
The bank's share
Set by card issuers. We pass it through at cost with zero markup.
Scheme
The network's share
Visa, Mastercard fees. Transparent and passed through exactly.
The Plus
OUR MARGIN
A flat, predictable fee. The only part we control - and it's competitive.
Transaction Details
Transaction Information
Transaction ID:
tr_7A92C3D4E5F6
Order ID:
#ORD-1038
Type:
Capture
Status:
Completed
Gross Amount:
€60.00
Cost+ Breakdown
Interchange Fee:
-€0.12
Scheme Fee:
-€0.08
Network Fee
-€0.15
Our Margin (The Plus Fee):
-€0.30
Total Processing Cost:
-€0.65
Net Amount:
€59.35
The Real Cost

The 1.25% Trap

Blended-rate providers hide interchange inside a single inflated rate. Here's what a typical €100 transaction actually looks like.
Blended Provider
What you see: one rate
Total Fee: 1.85%
€1.85 per €100
Total Fee
What's hidden inside?
Interchange, scheme fees, and processor margin - all bundled together. You can't see what you're actually paying for.
Cost+ IC++
What you see: every component
Total Fee: 0.95%
€0.95 per €100
Actual Interchange
Scheme Fees
Cost+ Margin
Save €0.90 per €100 — that's 49% less
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900+ payment methods
100+ countries
AustriaBelgiumCzech RepublicDenmarkFranceGermanyGreeceIrelandItalyNetherlandsNorwayPoland
United StatesPortugalSpainSwedenSwitzerlandUnited KingdomUAEAustraliaCanadaChinaIndiaMexico
Enterprise Infrastructure

Tier-1 Processing Network

Our processing infrastructure is backed by Tier-1 global acquiring partners, supporting 900+ payment methods across 100+ countries.
PCI DSS Level 1
The highest level of payment security certification.
99.99% Uptime
Enterprise-grade reliability for high-volume merchants.
Full Transparency
Every fee component visible. No hidden charges, ever.
PRICING & SETUP

Frequently Asked Questions

Get clear answers on IC++ pricing, savings vs. blended rates, supported payment methods, and what it takes to get started.
What is IC++ pricing and how does Cost+ use it?
IC++ (Interchange Plus Plus) is a transparent payment pricing model that separates every fee into three visible components: the interchange fee set by the cardholder's bank, the scheme fee charged by card networks like Visa or Mastercard, and a flat processor margin. Cost+ passes interchange and scheme fees through at cost and adds only a flat 0.50% margin plus EUR 0.15 per authorization, so merchants see exactly what each part costs on every transaction.
How much can merchants save by switching to Cost+ from a blended-rate provider?
With Cost+, merchants can save up to 40% on payment processing compared to blended-rate providers. For example, on a EUR 100 transaction a blended provider might charge 1.85% (EUR 1.85), whereas Cost+ IC++ pricing could total around 0.95% (EUR 0.95) — a saving of EUR 0.90 per transaction, or roughly 49% less on that example.
Does Cost+ charge monthly fees or require long-term contracts?
No. Cost+ operates on a pure pay-as-you-go model with zero monthly subscriptions, zero gateway fees, and no long-term contracts. Merchants only pay when they process transactions — there are no setup fees, exit fees, or minimum terms.
What payment methods and countries does Cost+ support?
Cost+ supports over 900 payment methods across more than 100 countries through its Tier-1 global acquiring partners. Accepted methods include Visa, Mastercard, Apple Pay, Google Pay, and Nordic wallets like MobilePay, Vipps, and Swish.
Is Cost+ PCI compliant and what uptime does it guarantee?
Yes, Cost+ is PCI DSS Level 1 certified — the highest level of payment security certification. The platform guarantees 99.99% uptime, ensuring reliable payment processing for merchants around the clock.
Stop Guessing

Switch to Wholesale IC++ Pricing Today

Join merchants saving up to 40% on payment processing. No hidden fees, no long-term contracts.
Get Started Free