# Cost+ Payments — Full AI Bundle Canonical site origin: https://costplus.io Developer docs: https://docs.costplus.io Generated: 2026-04-29 # Cost+ Payments > Cost+ is a European payment gateway built on transparent IC++ pricing — interchange (paid to the issuing bank) plus scheme fee (paid to the card network) plus a flat, published Cost+ markup, all itemised on every transaction. Typical savings versus blended-rate processors: 20–40%. ## Core Facts - Brand: Cost+ Payments (styled "Cost+") - Legal entity: Costplus OÜ (Estonia) — formerly NoPayn OÜ; same company, renamed in the Cost+ rebrand. - Founded: 2024 - Founder & CEO: Theis Nordahl - Headquarters: Estonia - Domain: https://costplus.io - Merchant dashboard: https://dashboard.costplus.io/register - Help desk: https://helpdesk.costplus.io - Developer docs: https://docs.costplus.io - Currencies: EUR (primary), GBP, USD, DKK, SEK, NOK, ISK - Geography: Europe only ## Pricing — IC++ (Interchange Plus Plus) Every Cost+ transaction is itemised into three visible components: 1. Interchange — paid to the cardholder's issuing bank (set by Visa/Mastercard/Amex; varies by card type, region, MCC). 2. Scheme fee — paid to the card network. 3. Cost+ markup — flat, published, the same for every merchant on the same tier. Blended-rate processors quote a single number (e.g. "1.85% + €0.25") that hides all three above plus a margin. With IC++ each component appears on every settlement report. Published core fees (EUR; same structure in GBP/USD/DKK/SEK/NOK/ISK): | Fee | EUR | |--------------------|--------| | Network Access Fee | €0.15 | | Refund Fee | €0.25 | | Settlement Fee | €0.25 | | Chargeback | €30.00 | See https://costplus.io/pricing-low-risk.html and https://costplus.io/pricing-high-risk.html. Try the savings calculator: https://costplus.io/pricing-calculator.html. ## Payment Methods Visa, Mastercard, American Express, Apple Pay, Google Pay, MobilePay (DK/FI), Vipps (NO), Swish (SE). Per-method pages: - Visa & Mastercard: https://costplus.io/payment-methods/accept-visa-mastercard-with-costplus.html - Apple Pay: https://costplus.io/payment-methods/accept-apple-pay-with-costplus.html - Google Pay: https://costplus.io/payment-methods/accept-google-pay-with-costplus.html - MobilePay: https://costplus.io/payment-methods/accept-mobilepay-with-costplus.html - Vipps: https://costplus.io/payment-methods/accept-vipps-with-costplus.html - Swish: https://costplus.io/payment-methods/accept-swish-with-costplus.html ## Platform Integrations Native integrations: Shopify, WooCommerce, Magento (1.9 / OpenMage LTS and Magento 2), PrestaShop (8 and 9.1), OpenCart (3 and 4), WIX, Ecwid, modified eCommerce, Shopware 6, Drupal Commerce, osCommerce 4, nopCommerce. Developer SDKs: Node.js/TypeScript, PHP, Python, C#/.NET, Ruby, Kotlin/Java. Full integrations page: https://costplus.io/integrations.html. API documentation: https://docs.costplus.io. ## High-Risk Industries Cost+ specialises in serving merchants who are routinely declined or overcharged by blended-rate processors: - CBD / hemp: https://costplus.io/industries/cbd-payment-processing.html - iGaming: https://costplus.io/industries/igaming-payment-processing.html - Forex / financial trading: https://costplus.io/industries/forex-payment-processing.html - Nicotine pouches: https://costplus.io/industries/nicotine-pouch-payment-processing.html - Cigars: https://costplus.io/industries/cigars-payment-processing.html - Vape / e-cigarettes: https://costplus.io/industries/vape-payment-processing.html - Cannabis / hemp seeds: https://costplus.io/industries/cannabis-hemp-seeds-payment-processing.html ## Compared to Other Processors - Stripe alternative: https://costplus.io/alternatives/stripe-alternative.html - Mollie alternative: https://costplus.io/alternatives/mollie-alternative.html - QuickPay alternative: https://costplus.io/alternatives/quickpay-alternative.html - Pensopay alternative: https://costplus.io/alternatives/pensopay-alternative.html - Viva Wallet alternative: https://costplus.io/alternatives/viva-wallet-alternative.html - Frisbii alternative: https://costplus.io/alternatives/frisbii-alternative.html - Freepay alternative: https://costplus.io/alternatives/freepay-alternative.html ## Frequently Asked Questions ### How does the Cost+ savings calculator work? The calculator lets merchants input their monthly transaction volume (up to EUR 1,000,000), average order value (EUR 5–500), and their current processing rate (default 1.35% blended or a custom rate). It then shows a side-by-side comparison of current costs versus Cost+ IC++ costs, including a projected yearly savings figure. ### How much could I save at EUR 50,000 monthly volume? At EUR 50,000 monthly volume with a EUR 75 average order value, the calculator estimates current blended costs of EUR 815/month versus Cost+ costs of EUR 525/month — a potential yearly saving of approximately EUR 3,484. ### What fees does Cost+ eliminate compared to blended providers? The calculator highlights several fees that Cost+ sets to EUR 0: 3DS authentication (vs EUR 0.03 at blended providers), gateway fees (vs EUR 0.13), monthly subscription (vs EUR 7.00), and tokenization (vs EUR 0.04). The only per-transaction cost is the EUR 0.15 authorization fee plus the IC++ processing rate. ### Can I compare Cost+ against my own custom processing rate? Yes. The calculator includes a toggle to switch between the default 1.35% blended comparison rate and a custom rate field where merchants can enter their actual current processing percentage for a more accurate savings estimate. ### What processing rate does Cost+ use in the calculator comparison? The calculator uses approximately 0.85% as the effective IC++ processing rate for Cost+, compared to 1.35% for a typical blended provider. The 0.85% represents the average of interchange + scheme fees + Cost+'s 0.50% margin on EU card transactions. ### What is Cost+? A European payment gateway built on IC++ pricing — every transaction is itemised into interchange (issuing bank), scheme fee (card network), and Cost+'s flat published markup. Legal entity Costplus OÜ in Estonia, founded 2024 by Theis Nordahl. Launched as NoPayn OÜ and was renamed in the Cost+ rebrand. ### What is IC++ (Interchange Plus Plus)? A transparent pricing model that breaks every transaction into three line items: interchange, scheme fee, and the processor's markup. Blended-rate processors hide all three plus their margin inside a single number like "1.85% + €0.25". Cost+ shows each component on every settlement report. ### Who is Cost+ for? Standard low-risk merchants (e-commerce, SaaS, subscription, retail) get the lowest published IC++ markup. High-risk industries (CBD, iGaming, forex, nicotine pouches, cigars, vape, cannabis-where-legally-sold) get fair IC++ pricing and real onboarding support. ### How does Cost+ compare to Stripe, Mollie, or other blended-rate providers? Competitors quote a single blended rate that bundles interchange, scheme fees, and a hidden margin. Cost+ publishes IC++: bank interchange and network scheme fees pass straight through, and the Cost+ markup is flat and identical for every merchant on the same tier. Typical saving: 20–40% versus blended rates. ### What payment methods does Cost+ accept? Visa, Mastercard, American Express, Apple Pay, Google Pay, MobilePay (DK/FI), Vipps (NO), Swish (SE). Multi-acquirer routing via Rapyd, Shift4, Clearhaus, and the Nordic wallet acquirers. ### Which currencies and countries does Cost+ support? Seven currencies: EUR (primary), GBP, USD, DKK, SEK, NOK, ISK. Europe only — Nordics, Western, Central, Southern, Eastern. ### Which e-commerce platforms does Cost+ integrate with? Native plugins for Shopify, WooCommerce, Magento (1.9/OpenMage LTS and 2), PrestaShop (8 and 9.1), OpenCart (3 and 4), WIX, Ecwid, modified eCommerce, Shopware 6, Drupal Commerce, osCommerce 4, nopCommerce. Custom integrations use the REST API at https://docs.costplus.io. ### What developer SDKs are available? Official SDKs in Node.js/TypeScript, PHP, Python, C#/.NET, Ruby, and Kotlin/Java. Each ships with order creation, signature handling, webhook verification, and a Docker merchant demo. ### Is there a sandbox / test environment? Yes. Sandbox and production share the same API base URL; the API key picks the mode. Create a sandbox website at https://dashboard.costplus.io/register and use the test cards at https://docs.costplus.io/docs/getting-started/testing. ### Is Cost+ PCI compliant? Yes — PCI DSS Level 1 certified, EU data residency, GDPR-aligned. The hosted payment page handles card entry and 3DS/SCA so the merchant's checkout never touches raw card data. ### How does Cost+ make money? From the flat published markup on each transaction — the third "+" in IC++. No monthly subscription, no gateway fees, no 3DS fees, no tokenization fees on the standard plan. ### What about chargebacks and refunds? Refund EUR 0.25, chargeback EUR 30.00 (same per-currency tables for GBP, USD, DKK, SEK, NOK, ISK). High-risk merchants are priced with chargeback overhead in mind. Cost+ does not publish a guaranteed win rate. ### What does "climate-positive payments" mean? Cost+ funds tree planting on every transaction with the goal of operating CO₂-negative. One of three core values alongside radical transparency and serving underserved high-risk industries. ### How do I get started? Register at https://dashboard.costplus.io/register, talk to sales via https://costplus.io/contact-us, or read the developer docs at https://docs.costplus.io/docs. Onboarding hours: Mon–Thu 09:00–16:00; Fri 09:00–14:00 (CET/CEST). ### Where is Cost+ developer documentation? https://docs.costplus.io — API reference, auth, webhooks, hosted payment page, refunds, recurring payments, plugin guides. AI entrypoint for the developer side: https://docs.costplus.io/llms.txt. ## Key Pages - Homepage: https://costplus.io/ — Cost+ overview and value proposition. - About Cost+: https://costplus.io/about-us.html — Company, founder, mission, and values. - Pricing — Low-Risk Merchants: https://costplus.io/pricing-low-risk.html — IC++ pricing for standard e-commerce, SaaS, retail. - Pricing — High-Risk Merchants: https://costplus.io/pricing-high-risk.html — IC++ pricing for high-risk industries with onboarding support. - Savings Calculator: https://costplus.io/pricing-calculator.html — Interactive calculator estimating savings vs blended-rate processors. - Integrations: https://costplus.io/integrations.html — Native integrations for major e-commerce platforms and SDKs. - Contact Sales: https://costplus.io/contact-us — Sales inquiry form. Onboarding hours: Mon–Thu 09:00–16:00; Fri 09:00–14:00 (CET/CEST). - Cookie Policy: https://costplus.io/cookie-policy.html — Cookies used by costplus.io. - Privacy Policy: https://costplus.io/privacy-policy.html — How Cost+ handles personal data. - Terms of Service: https://costplus.io/terms-of-service.html — Terms governing use of Cost+. ## For Developers See https://docs.costplus.io/llms.txt for the developer-API entrypoint, https://docs.costplus.io/llms-full.txt for the full Markdown bundle, and https://docs.costplus.io/openapi.json for the machine-readable API spec. Generated: 2026-04-29 --- ## Appendix A — All FAQs (lifted from costplus.io and the knowledge base) ### How does the Cost+ savings calculator work? The calculator lets merchants input their monthly transaction volume (up to EUR 1,000,000), average order value (EUR 5–500), and their current processing rate (default 1.35% blended or a custom rate). It then shows a side-by-side comparison of current costs versus Cost+ IC++ costs, including a projected yearly savings figure. ### How much could I save at EUR 50,000 monthly volume? At EUR 50,000 monthly volume with a EUR 75 average order value, the calculator estimates current blended costs of EUR 815/month versus Cost+ costs of EUR 525/month — a potential yearly saving of approximately EUR 3,484. ### What fees does Cost+ eliminate compared to blended providers? The calculator highlights several fees that Cost+ sets to EUR 0: 3DS authentication (vs EUR 0.03 at blended providers), gateway fees (vs EUR 0.13), monthly subscription (vs EUR 7.00), and tokenization (vs EUR 0.04). The only per-transaction cost is the EUR 0.15 authorization fee plus the IC++ processing rate. ### Can I compare Cost+ against my own custom processing rate? Yes. The calculator includes a toggle to switch between the default 1.35% blended comparison rate and a custom rate field where merchants can enter their actual current processing percentage for a more accurate savings estimate. ### What processing rate does Cost+ use in the calculator comparison? The calculator uses approximately 0.85% as the effective IC++ processing rate for Cost+, compared to 1.35% for a typical blended provider. The 0.85% represents the average of interchange + scheme fees + Cost+'s 0.50% margin on EU card transactions. ### What is Cost+? A European payment gateway built on IC++ pricing — every transaction is itemised into interchange (issuing bank), scheme fee (card network), and Cost+'s flat published markup. Legal entity Costplus OÜ in Estonia, founded 2024 by Theis Nordahl. Launched as NoPayn OÜ and was renamed in the Cost+ rebrand. ### What is IC++ (Interchange Plus Plus)? A transparent pricing model that breaks every transaction into three line items: interchange, scheme fee, and the processor's markup. Blended-rate processors hide all three plus their margin inside a single number like "1.85% + €0.25". Cost+ shows each component on every settlement report. ### Who is Cost+ for? Standard low-risk merchants (e-commerce, SaaS, subscription, retail) get the lowest published IC++ markup. High-risk industries (CBD, iGaming, forex, nicotine pouches, cigars, vape, cannabis-where-legally-sold) get fair IC++ pricing and real onboarding support. ### How does Cost+ compare to Stripe, Mollie, or other blended-rate providers? Competitors quote a single blended rate that bundles interchange, scheme fees, and a hidden margin. Cost+ publishes IC++: bank interchange and network scheme fees pass straight through, and the Cost+ markup is flat and identical for every merchant on the same tier. Typical saving: 20–40% versus blended rates. ### What payment methods does Cost+ accept? Visa, Mastercard, American Express, Apple Pay, Google Pay, MobilePay (DK/FI), Vipps (NO), Swish (SE). Multi-acquirer routing via Rapyd, Shift4, Clearhaus, and the Nordic wallet acquirers. ### Which currencies and countries does Cost+ support? Seven currencies: EUR (primary), GBP, USD, DKK, SEK, NOK, ISK. Europe only — Nordics, Western, Central, Southern, Eastern. ### Which e-commerce platforms does Cost+ integrate with? Native plugins for Shopify, WooCommerce, Magento (1.9/OpenMage LTS and 2), PrestaShop (8 and 9.1), OpenCart (3 and 4), WIX, Ecwid, modified eCommerce, Shopware 6, Drupal Commerce, osCommerce 4, nopCommerce. Custom integrations use the REST API at https://docs.costplus.io. ### What developer SDKs are available? Official SDKs in Node.js/TypeScript, PHP, Python, C#/.NET, Ruby, and Kotlin/Java. Each ships with order creation, signature handling, webhook verification, and a Docker merchant demo. ### Is there a sandbox / test environment? Yes. Sandbox and production share the same API base URL; the API key picks the mode. Create a sandbox website at https://dashboard.costplus.io/register and use the test cards at https://docs.costplus.io/docs/getting-started/testing. ### Is Cost+ PCI compliant? Yes — PCI DSS Level 1 certified, EU data residency, GDPR-aligned. The hosted payment page handles card entry and 3DS/SCA so the merchant's checkout never touches raw card data. ### How does Cost+ make money? From the flat published markup on each transaction — the third "+" in IC++. No monthly subscription, no gateway fees, no 3DS fees, no tokenization fees on the standard plan. ### What about chargebacks and refunds? Refund EUR 0.25, chargeback EUR 30.00 (same per-currency tables for GBP, USD, DKK, SEK, NOK, ISK). High-risk merchants are priced with chargeback overhead in mind. Cost+ does not publish a guaranteed win rate. ### What does "climate-positive payments" mean? Cost+ funds tree planting on every transaction with the goal of operating CO₂-negative. One of three core values alongside radical transparency and serving underserved high-risk industries. ### How do I get started? Register at https://dashboard.costplus.io/register, talk to sales via https://costplus.io/contact-us, or read the developer docs at https://docs.costplus.io/docs. Onboarding hours: Mon–Thu 09:00–16:00; Fri 09:00–14:00 (CET/CEST). ### Where is Cost+ developer documentation? https://docs.costplus.io — API reference, auth, webhooks, hosted payment page, refunds, recurring payments, plugin guides. AI entrypoint for the developer side: https://docs.costplus.io/llms.txt. --- ## Appendix B — All Marketing Pages ### Core - Homepage: https://costplus.io/ — Cost+ overview and value proposition. - About Cost+: https://costplus.io/about-us.html — Company, founder, mission, and values. - Pricing — Low-Risk Merchants: https://costplus.io/pricing-low-risk.html — IC++ pricing for standard e-commerce, SaaS, retail. - Pricing — High-Risk Merchants: https://costplus.io/pricing-high-risk.html — IC++ pricing for high-risk industries with onboarding support. - Savings Calculator: https://costplus.io/pricing-calculator.html — Interactive calculator estimating savings vs blended-rate processors. - Integrations: https://costplus.io/integrations.html — Native integrations for major e-commerce platforms and SDKs. - Contact Sales: https://costplus.io/contact-us — Sales inquiry form. Onboarding hours: Mon–Thu 09:00–16:00; Fri 09:00–14:00 (CET/CEST). - Cookie Policy: https://costplus.io/cookie-policy.html — Cookies used by costplus.io. - Privacy Policy: https://costplus.io/privacy-policy.html — How Cost+ handles personal data. - Terms of Service: https://costplus.io/terms-of-service.html — Terms governing use of Cost+. ### Alternatives (vs other processors) - Stripe alternative: https://costplus.io/alternatives/stripe-alternative.html - Mollie alternative: https://costplus.io/alternatives/mollie-alternative.html - QuickPay alternative: https://costplus.io/alternatives/quickpay-alternative.html - Pensopay alternative: https://costplus.io/alternatives/pensopay-alternative.html - Viva Wallet alternative: https://costplus.io/alternatives/viva-wallet-alternative.html - Frisbii alternative: https://costplus.io/alternatives/frisbii-alternative.html - Freepay alternative: https://costplus.io/alternatives/freepay-alternative.html ### Industries (high-risk specialisations) - CBD / hemp: https://costplus.io/industries/cbd-payment-processing.html - iGaming: https://costplus.io/industries/igaming-payment-processing.html - Forex / financial trading: https://costplus.io/industries/forex-payment-processing.html - Nicotine pouches: https://costplus.io/industries/nicotine-pouch-payment-processing.html - Cigars: https://costplus.io/industries/cigars-payment-processing.html - Vape / e-cigarettes: https://costplus.io/industries/vape-payment-processing.html - Cannabis / hemp seeds: https://costplus.io/industries/cannabis-hemp-seeds-payment-processing.html ### Payment Methods - Visa & Mastercard: https://costplus.io/payment-methods/accept-visa-mastercard-with-costplus.html - Apple Pay: https://costplus.io/payment-methods/accept-apple-pay-with-costplus.html - Google Pay: https://costplus.io/payment-methods/accept-google-pay-with-costplus.html - MobilePay: https://costplus.io/payment-methods/accept-mobilepay-with-costplus.html - Vipps: https://costplus.io/payment-methods/accept-vipps-with-costplus.html - Swish: https://costplus.io/payment-methods/accept-swish-with-costplus.html --- ## Full page content The full text of every key page on costplus.io, extracted clean (navigation, footers, and scripts removed). ### Homepage https://costplus.io/ _No markups. No hidden fees. We pass through wholesale bank rates and charge a single, transparent service fee. The most honest relationship in fintech_ 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 Get Started Free Contact Sales 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 High Cost of the Black Box How a lack of transparency in payment systems leads to higher expenses 0.00% +€0.07 + €0.10 +€0.25 +€0.18 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6% 1.8% 2.0% 2.2% ## 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 900+ payment methods 100+ countries 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. --- ### Pricing Calculator https://costplus.io/pricing-calculator _See how much you could save by switching to Cost+'s IC++ model._ COMPARE & SAVE # Payment Savings Calculator See how much you could save by switching to Cost+'s IC++ model. Select Pricing Model ## Your Details Montly Volume €0 €1,000,000 Avg Order Value €5 €500 Cost per Transaction Fee The rate shown is a blended rate. It averages costs across card types, regions, and payment methods. Your final rate depends on your specific transaction mix. Talk to sales for exact pricing. Talk to Sales for a Full Breakdown Potential Yealy Savings ## 3,484 Based on 667 transactions/month 815 Your current cost / mo Cost+ / mo Features Your Current 3DS Authentication €0.03 €0.00 Gateway Fee €0.13 Auth Fee €0.04 €0.15 Monthly Subscription €7.00 Processing Rate 1.35% ~0.85% (IC++) 0.85% is an estimate of the average interchange + scheme feess + out margin combined. Actual rates vary by card type, issuing country, and transaction method. Already Processing over €20k/month? Don't use standard rates. Our team will audit your current statement and provide a custom IC++ quote designed to beat your existing agreement. Get My Custom Audit Quote SAVINGS CALCULATOR ## Frequently Asked Questions How the calculator works, estimated savings, eliminated fees, and custom rate comparisons. How does the Cost+ savings calculator work? The calculator lets merchants input their monthly transaction volume (up to EUR 1,000,000), average order value (EUR 5–500), and their current processing rate (default 1.35% blended or a custom rate). It then shows a side-by-side comparison of current costs versus Cost+ IC++ costs, including a projected yearly savings figure. How much could I save at EUR 50,000 monthly volume? At EUR 50,000 monthly volume with a EUR 75 average order value, the calculator estimates current blended costs of EUR 815/month versus Cost+ costs of EUR 525/month — a potential yearly saving of approximately EUR 3,484. What fees does Cost+ eliminate compared to blended providers? The calculator highlights several fees that Cost+ sets to EUR 0: 3DS authentication (vs EUR 0.03 at blended providers), gateway fees (vs EUR 0.13), monthly subscription (vs EUR 7.00), and tokenization (vs EUR 0.04). The only per-transaction cost is the EUR 0.15 authorization fee plus the IC++ processing rate. Can I compare Cost+ against my own custom processing rate? Yes. The calculator includes a toggle to switch between the default 1.35% blended comparison rate and a custom rate field where merchants can enter their actual current processing percentage for a more accurate savings estimate. What processing rate does Cost+ use in the calculator comparison? The calculator uses approximately 0.85% as the effective IC++ processing rate for Cost+, compared to 1.35% for a typical blended provider. The 0.85% represents the average of interchange + scheme fees + Cost+'s 0.50% margin on EU card transactions. Stop Guessing ## Switch to Transparent Pricing €0 monthly. €0 gateway fees. €0 3DS fees. Pay only when you earn. Get Started Free --- ### Pricing Low Risk https://costplus.io/pricing-low-risk _You pay exactly what the banks charge us — plus our small, flat service fee. No hidden layers. No mystery markups._ The End of Black Box Pricing # Don't Overpay, the Honest Way. You pay exactly what the banks charge us — plus our small, flat service fee. No hidden layers. No mystery markups. Get Started Free How It Works ## Your Total Cost Formula We separate the raw network costs from our service margin so you get true wholesale rates. Interchange Card Networks Card Scheme Fee Visa/MC/Amex Your Total Cost Nothing else 0.50% Margin Our Margin €0.15 Auth Fee Network Access Fee IC++ BREAKDOWN ## What You Pay and Why Every fee itemized: what goes to the card networks, what goes to us, and what you pay for utilities like refunds and chargebacks. ### How IC++Works Three components. Complete transparency. You pay exactly what it costs—plus our margin. 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 A flat, predictable fee. The only part we control - and it's competitive. The Honest Way ## Simple, Transparent Rates for New Merchants Our IC++ model separates our margin from card network fees — so you always know exactly what you're paying for. standard retail New Businesses Low Risk Intercharge + Scheme + 0.50% + €0.15 per transaction Network Access Fee includes Network Authorization, 3DS Authentication, and Tokenization. Refunds: €0.25 (Fixed Bank Cost Only) This fee covers the Authorization fee charged by the card networks and the base acquirer costs. We do not add a markup to this fee. €0 Monthly Fee €0 3DS Authentication €0 Tokenization 100% White-Labeled ### Already Processing over €20k/month? Don't use standard rates. Our team will audit your current statement and provide a custom IC++ quote designed to beat your existing agreement. Get My Custom Audit Quote Transparent Terms ## Cash Flow & Payouts Transparency Note Final payout terms are determined during our fast-track underwriting process. No hidden terms, no surprises. "Don't overpay, the honest way." ### Standard Payouts Payout Frequency Daily or Weekly options Transfer Speed T+1 or T+2 (Funds arrive 1-2 days after sale) Security Reserve 0% Rolling Reserve for most standard retail businesses The Fair Refund Policy ## We Don't Profit From Your Returns Excellence The Problem Traditional providers (like Stripe or Qliro) keep your original processing fee even if the customer returns the item. This means you lose money twice — once on the sale that didn't stick, and again on the fee you'll never recover. Our Solution We waive our percentage markup on every refund. You only pay a flat €0.25 Network Processing Fee Covers raw bank and authorization costs. to cover the raw bank and authorization costs. The Benefit For a merchant with a 15% return rate, this transparency can save thousands in "vampire fees" every year. Your margins stay intact, even when customers change their minds. Transparent Pricing ## 2026 Estimated Wholesale Costs Indicative interchange + scheme costs. Actual rates vary by card type. Card Type Estimated Rate Rates shown are estimates based on 2026 scheme regulations Notes EU Debit ~0.35% Consumer debit within EEA EU Credit ~0.45% Consumer credit within EEA Non-EU ~1.70% International & corporate cards No-Risk Exit We don't believe in lock-in contracts. No minimum terms. No exit fees. No contractual traps designed to keep you hostage. If we're not delivering value, you're free to leave. But our retention speaks for itself—merchants stay because we save them money. Still Got Questions? We’ve Got Answers Contact our sales team for setting up your Cost+ account and receive your first payments Contact Sales --- ### Pricing High Risk https://costplus.io/pricing-high-risk _You pay exactly what the banks charge us — plus our small, flat service fee. No hidden layers. No mystery markups._ The End of Black Box Pricing # Don't Overpay, the Honest Way. You pay exactly what the banks charge us — plus our small, flat service fee. No hidden layers. No mystery markups. Get Started Free How It Works ## Your Total Cost Formula We separate the raw network costs from our service margin so you get true wholesale rates. Interchange Card Networks Card Scheme Fee Visa/MC/Amex Your Total Cost Nothing else X% Margin Our Margin €X Auth Fee Network Access Fee IC++ BREAKDOWN ## What You Pay and Why Every fee itemized: what goes to the card networks, what goes to us, and what you pay for utilities like refunds and chargebacks. ### How IC++Works Three components. Complete transparency. You pay exactly what it costs—plus our margin. 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 A flat, predictable fee. The only part we control - and it's competitive. The Honest Way ## Simple, Transparent Rates for New Merchants Our IC++ model separates our margin from card network fees — so you always know exactly what you're paying for. Specialized retail New Businesses High Risk We support your business even if you sell CBD, nicotine pouches, vapes, seeds, or run online casinos and iGaming platforms. No matter what, we guarantee better pricing and better terms than what you currently have. Get in Touch ### Already Processing over €20k/month? Don't use standard rates. Our team will audit your current statement and provide a custom IC++ quote designed to beat your existing agreement. Get My Custom Audit Quote Transparent Terms ## Cash Flow & Payouts Transparency Note Final payout terms are determined during our fast-track underwriting process. No hidden terms, no surprises. "Don't overpay, the honest way." Specialized ### Specialized Payouts Payout Frequency Weekly or Monthly Transfer Speed T+3 to T+7, depending on industry and volume Security Reserve 5% - 10% Rolling Reserve (180 days) to protect against industry-specific chargeback risks The Fair Refund Policy ## We Don't Profit From Your Returns Excellence The Problem Traditional providers (like Stripe or Qliro) keep your original processing fee even if the customer returns the item. This means you lose money twice — once on the sale that didn't stick, and again on the fee you'll never recover. Our Solution We waive our percentage markup on every refund. You only pay a flat €0.25 Network Processing Fee Covers raw bank and authorization costs. to cover the raw bank and authorization costs. The Benefit For a merchant with a 15% return rate, this transparency can save thousands in "vampire fees" every year. Your margins stay intact, even when customers change their minds. Transparent Pricing ## 2026 Estimated Wholesale Costs Indicative interchange + scheme costs. Actual rates vary by card type. Card Type Estimated Rate Rates shown are estimates based on 2026 scheme regulations Notes EU Debit ~0.35% Consumer debit within EEA EU Credit ~0.45% Consumer credit within EEA Non-EU ~1.70% International & corporate cards No-Risk Exit We don't believe in lock-in contracts. No minimum terms. No exit fees. No contractual traps designed to keep you hostage. If we're not delivering value, you're free to leave. But our retention speaks for itself—merchants stay because we save them money. High-Risk, Not High-Cost Backed by Tier-1 global acquiring infrastructure, we provide enterprise-grade payment processing for industries others decline. iGaming, forex, crypto exchanges—we specialize in regulated high-risk sectors. Our risk management doesn't mean excessive fees. It means sophisticated underwriting and dedicated compliance support. Still Got Questions? We’ve Got Answers Contact our sales team for setting up your Cost+ account and receive your first payments Contact Sales --- ### Integrations https://costplus.io/integrations _Plugins for Shopify, Magento, WooCommerce, and more. Choose your platform, install, and start processing._ INTEGRATIONS # Connect Cost+ to Your Store in Minutes Plugins for Shopify, Magento, WooCommerce, and more. Choose your platform, install, and start processing. Get Started Free SHOP SYSTEMS & APIs ## Integrations Connect Cost+ with your favorite platforms and tools Shop System SDKs & Libraries Developer API PrestaShop 1.7, 9.x and 8.x Integrate Cost+ as a payment method in your Shopify store. The official Cost+ Payments app is available for quick installation directly from the Shopify App Store. View Integration Magento 1.9.x and 2.4.x Integrate Cost+ as a payment method in your Magento store. The Cost+ extension is available forMagento 2(2.4.6 – 2.4.8) andMagento 1.9 (including OpenMage LTS 20+). The Cost+ plugin for Wix is currently in development. Full setup documentation will be available here once the integration is released. WordPress 5.6+ Integrate Cost+ as a payment method in your WooCommerce store. The official Cost+ Payments WordPress plugin provides seamless integration with your existing WooCommerce checkout. Integrate Cost+ as a payment method in your PrestaShop store. The Cost+ module is available forPrestaShop 9.x, PrestaShop 8.x, andPrestaShop 1.7. The Cost+ plugin for Ecwid is currently in development. Full setup documentation will be available here once the integration is released. OpenCart 3.0.x and4.0.x Integrate Cost+ as a payment method in your OpenCart store. The official NoPayn Payment Gatewayextension is available forOpenCart 4 and OpenCart 3 / ocStore 3. Shopware 6.7+ Integrate Cost+ as a payment method in your Shopware 6 store. The official NoPayn Paymentplugin supports multiple payment methods per sales channel and uses the Hosted Payment Page flow — fully PCI DSS compliant. nopCommerce 4.9+ Integrate Cost+ as a payment method in your nopCommerce store. The official NoPayn Payment Gateway plugin supports multiple payment methods with direct redirect to the selected payment method — fully PCI DSS compliant. osCommerce 4.x Integrate Cost+ as a payment method in your osCommerce 4 store. The official NoPayn Payments module uses the Hosted Payment Page flow, so no card data touches your server — fully PCI DSS compliant. Drupal Commerce 3.x Integrate Cost+ as a payment method in your Drupal Commerce store. The official NoPayn Payment Gateway module uses the Hosted Payment Page flow, so no card data touches your server — fully PCI DSS compliant. Integrate Cost+ as a payment method in your modified eCommerce shop. TheNoPayn Payment Gatewaymodule is installed via the Modified Module Loader Client (MMLC) and supports Credit/Debit Cards, Apple Pay, Google Pay, and Vipps/MobilePay. Official Node.js/TypeScript SDK for the Cost+ payment gateway. Simplifies the HPP (Hosted Payment Page) redirect flow, HMAC payload signing, and webhook verification. Official Python SDK for the Cost+ payment gateway. Simplifies the HPP (Hosted Payment Page) redirect flow, HMAC payload signing, and webhook verification. Official PHP SDK for the Cost+ payment gateway. Simplifies the HPP (Hosted Payment Page) redirect flow, HMAC payload signing, and webhook verification. Official Kotlin SDK for the Cost+ payment gateway, fully interoperable with Java. Simplifies the HPP (Hosted Payment Page) redirect flow, HMAC payload signing, and webhook verification. Official C#/.NET SDK for the Cost+ payment gateway. Simplifies the HPP (Hosted Payment Page) redirect flow, HMAC payload signing, and webhook verification. Official Ruby SDK for the Cost+ payment gateway. Simplifies the HPP (Hosted Payment Page) redirect flow, HMAC payload signing, and webhook verification. The Cost+ Payment API lets you create and manage orders, process payments, handle refunds, and manage payment links. Can’t Find Integrations? Let us know what integration or feature you'd like to see, and we'll consider adding it to our roadmap. Request Integration --- ### About Us https://costplus.io/about-us _Cost+ is a payment gateway built on IC++ pricing. You see exactly what you pay — interchange, scheme fees, and our markup. That's it._ About Cost+ # Payments Should Be Transparent. We Made It the Whole Point. Cost+ is a payment gateway built on IC++ pricing. You see exactly what you pay — interchange, scheme fees, and our markup. That's it. Get Started Free FOUNDER & CEO AT ## Theis Nordahl In 2024, Theis Nordahl founded a company in Estonia with a blunt premise: merchants are being overcharged, and most of them don't even know it. Payment processors hide their margins inside blended rates — a merchant paying “1.85% + €0.25” has no idea how much the processor actually keeps. That's not an accident. It's a business model. The company launched as NoPayn OÜ with a mission to make every fee visible. The pricing model was IC++ (Interchange Plus Plus) from day one — the same wholesale model used between banks, now available to every merchant. Interchange goes to the bank. Scheme fees go to the card network. And our markup? It's flat, published, and the same for everyone. Book a Meeting ### Honesty as a Product: The New Era of Cost+ The rebrand to Cost+ sharpened the identity to match the mission. The name is a direct reference to cost-plus pricing — because that's literally what we do. No blending. No bundling. No tricks. Just the cost, plus our margin, fully visible on every single transaction. Our Principles ## What We Stand For Three principles guide everything we build, price, and ship. Radical Transparency IC++ pricing means you see the actual interchange fee, the card scheme fee, and our markup. Separately. On every transaction. Built for the Underserved High-risk industries deserve fair pricing and real support, not inflated rates and rejection emails. We specialize in getting merchants approved and processing. Climate-Positive Payments Every transaction funds tree planting. Cost+ operates CO₂-negative, turning payment processing into environmental impact. The Team ## Small Team. Big Impact. ACCOUNT MANAGER Esben Safavi Andersen CSO Christian Mølholm ONBOARDING MANAGER Steffen Søndergaard Jensen Cost+ runs lean by design. We prioritize automation, strategic partnerships, and simplified workflows over headcount. No layers of middle management. No bloated org chart. The result: lower overhead, faster decisions, and savings passed directly to the merchants we serve. Every euro we don't spend on bureaucracy is a euro our merchants keep. 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 “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 “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 Jun 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 “Impressed by their transparent model and value given to high risk merchants! Im using their solution for my business also for B2B.” Integrations ## Plug In and Go Native integrations for the platforms merchants already use. Connect, configure, and start accepting payments in minutes. Coming Soon Partners & Methods ## Global Payment Choice through Deep Partnerships Cost+ isn't a closed processor. We partner with best-in-class acquirers and payment networks so merchants get routing flexibility, broader coverage, and better approval rates — without vendor lock-in. Processing Partners Accepted Payment Methods Switch to Cost+ ## Ready to See What You're Actually Paying? Competitive prices. Radical transparency. Just simple payments. Talk to Us --- ### Contact Us https://costplus.io/contact-us _Whether you're processing €5k or €50M, our team is ready to build your ideal payment stack._ Have a question? # Connect with Our IC++Specialists Whether you're processing €5k or €50M, our team is ready to build your ideal payment stack. ## Get in Touch Our payment specialists are standing by to help you optimize your transaction costs with true IC++ pricing. Official Entity CostPlus OÜ, Estonia Support Hours CET/CEST Mon–Thu 09:00–16:00 Fri 09:00–14:00 Help Desk helpdesk.costplus.io → Message us on WhatsApp (opens in a new tab) → Thank you! Your submission has been received! Oops! Something went wrong while submitting the form. --- ### Cannabis Hemp Seeds Payment Processing https://costplus.io/industries/cannabis-hemp-seeds-payment-processing _Beyond retail CBD — dedicated payment infrastructure for the broader hemp ecosystem, ancillary businesses, and compliant cannabis operations._ Cannabis & Hemp Payment Processing # The Foundation for Cannabis & Hemp Business Payments. Beyond retail CBD — dedicated payment infrastructure for the broader hemp ecosystem, ancillary businesses, and compliant cannabis operations. Get Your Specialized Quote Cannabis & HempProcessing, Built Right ## Where Others See Risk, We See a Business. Where Stripe says "No," we say "Let's make it work." As a direct ISO/TSP, we don't just accept high-risk merchants — we specialize in them. We use our direct relationships with acquiring banks to fight for your approval, build your case, and get you processing. Our ISO/TSP status means we sit at the table with the banks. We can vouch for your business model, explain your compliance posture, and advocate for fair terms. That's the difference between a generic aggregator and a specialized payment partner. Beyond CBD The cannabis and hemp industry is broader than retail CBD — it includes hemp product manufacturers, seed sellers, ancillary equipment suppliers, compliance technology providers, and businesses operating in the legal cannabis supply chain. Processing the Whole Ecosystem Cost+ provides payment processing for the wider cannabis and hemp ecosystem. We differentiate between retail CBD (see our dedicated CBD page) and the broader industry infrastructure — because the compliance requirements, risk profiles, and business models are different. Tailored Compliance Our direct ISO/TSP status allows us to work with acquiring banks who understand the nuances of the legal cannabis space. Whether you're selling hemp seeds, manufacturing hemp-derived products, or providing services to the cannabis industry — we build compliant payment infrastructure tailored to your specific business model. NO HIDDEN FEES ## No "High-Risk Surcharges." Just Transparent Pricing. Cannabis-adjacent businesses often face processing rates of 5-8% — or outright rejection — because processors can't (or won't) distinguish between a hemp seed supplier and an illegal dispensary. Interchange Card Networks Scheme Fees Visa/MC/Amex Your Total Cost Nothing else Our Margin Percent, % Network Access Fee Euro, € Cost+ takes the time to understand your specific business model and applies IC++ pricing based on actual risk characteristics: Interchange + Card Scheme Fee + our margin. If you're operating a compliant, legal business in the hemp and cannabis space, your processing rate should reflect that — not penalize you for your industry's reputation. Contact Sales REGULATORY READY ## Compliance Excellence Industry-specific regulatory expertise built into your processing infrastructure. Legal Market Verification We verify that your business operates within the legal framework of your jurisdiction — whether that's EU hemp regulations, national cannabis laws, or ancillary business classification. Business Model Assessment Not all cannabis-adjacent businesses carry the same risk. We assess your specific model — seed sales, manufacturing, ancillary services — and match you with appropriate acquiring bank relationships. License Validation For businesses requiring cannabis or hemp licenses, we verify licensing as part of onboarding and monitor for renewal to maintain ongoing compliance. Anti-Money Laundering Enhanced AML monitoring tailored to the cannabis industry, including source of funds verification and transaction pattern analysis. TRUSTED & VERIFIED ## Your Dedicated Merchant ID. No Pooling. No Surprises. Cannabis and hemp businesses need processing stability more than almost any other industry — because finding a replacement processor termination can take months, not days. Your MID is dedicated, properly classified for your specific business model, and managed through our direct ISO relationships. We don't make reactive decisions based on industry headlines. SEE YOUR RATES ## Get Your Specialized Quote Just because you're "high-risk" doesn't mean you should pay high prices. Let us show you what transparent Cost+ pricing looks like for Cannabis & Hemp. Full Savings Calculator CANNABIS & HEMP PAYMENTS ## Frequently Asked Questions Supported business types, regulatory compliance, account separation, and the changing legal landscape. Does Cost+ process payments for cannabis and hemp businesses? Yes. Cost+ goes beyond retail CBD to support the broader hemp ecosystem, ancillary cannabis businesses, and compliant cannabis operations — industries that typically face 5–8% processing rates or outright rejection. What types of cannabis businesses does Cost+ support? Cost+ supports a range of cannabis-related businesses including hemp product manufacturers, ancillary service providers, compliant cannabis retailers, and businesses operating in legal markets. Each undergoes a business model assessment during onboarding. How does Cost+ handle the changing cannabis legal landscape? Cost+ provides legal market verification and ongoing compliance monitoring to adapt to evolving cannabis regulations across different jurisdictions, with enhanced AML monitoring tailored to the cannabis industry. Does Cost+ offer separate accounts for cannabis vs. other products? Cost+ provides dedicated Merchant IDs for cannabis businesses, separate from retail accounts. This ensures proper MCC classification and compliance isolation, protecting merchants from issues that could arise from co-mingled processing. What compliance features does Cost+ offer for cannabis merchants? Cost+ provides legal market verification, business model assessment, license validation, enhanced AML monitoring, and ongoing compliance support — all essential for operating in the regulated cannabis and hemp industry. CHECKOUT OPTIONS ## Discover Our Supported Payment Methods Visa / Mastercard Apple Pay Google Pay Vipps MobilePay Swish Stop Guessing Get Your Quote --- ### CBD Payment Processing https://costplus.io/industries/cbd-payment-processing _Stop the rejections. Start growing. Get a dedicated Merchant ID with transparent Cost+ pricing, no hidden "high - risk" surcharges._ CBD Payment Processing # Reliable CBD Payment Processing for E-commerce & Retail. Stop the rejections. Start growing. Get a dedicated Merchant ID with transparent Cost+ pricing, no hidden "high-risk" surcharges. Get Your Specialized Quote CBD Processing, Built Right ## Where Others See Risk, We See a Business. Where Stripe says "No," we say "Let's make it work." As a direct ISO/TSP, we don't just accept high-risk merchants — we specialize in them. We use our direct relationships with acquiring banks to fight for your approval, build your case, and get you processing. Our ISO/TSP status means we sit at the table with the banks. We can vouch for your business model, explain your compliance posture, and advocate for fair terms. That's the difference between a generic aggregator and a specialized payment partner. CBD Payments Are Constantly at Risk CBD businesses are frequently flagged by mainstream processors. Even compliant stores can experience sudden payment interruptions, frozen balances, or permanent account closures — often without explanation. CBD Processing Built for Stability Cost+ provides specialized payment infrastructure for hemp-derived CBD merchants. With direct ISO/TSP status and banking partners familiar with the industry, we ensure stable Merchant IDs and predictable fund settlements. Payments That Scale With CBD Whether you're selling online, in-store, or wholesale, Cost+ delivers compliant payment processing tailored for the CBD industry — designed to support growth without disruption. Compliant Processing Payment Processing Growth without Disruption CBD Industry NO HIDDEN FEES ## No "High-Risk Surcharges." Just Transparent Pricing. Most processors slap a "high-risk surcharge" on CBD merchants — sometimes 2-4% above standard rates. That's not transparency, that's a tax on your industry. Interchange Card Networks Scheme Fees Visa/MC/Amex Your Total Cost Nothing else Our Margin Percent, % Network Access Fee Euro, € With Cost+, your pricing follows the same IC++ logic as any other merchant: Interchange + Card Scheme Fee + our transparent margin. No hidden risk premiums. No inflated authorization fees. Just honest, wholesale-level pricing — even for CBD. Contact Sales REGULATORY READY ## Compliance Excellence Industry-specific regulatory expertise built into your processing infrastructure. Product Compliance We work with merchants selling hemp-derived CBD products that comply with EU and national regulations. Our onboarding team reviews your product catalog for compliance. Age Verification Ready Integrate age-gating solutions at checkout to satisfy card brand and regulatory requirements for age-restricted products. Lab Report Documentation We guide you through the documentation banks require — including third-party lab reports, COAs, and THC compliance certificates. Transaction Monitoring Real-time monitoring and reporting to maintain compliance with acquiring bank requirements and card brand rules. TRUSTED & VERIFIED ## Your Dedicated Merchant ID. No Pooling. No Surprises. Your Merchant ID is yours — dedicated, not pooled with hundreds of other businesses. Because we hold direct ISO/TSP status, your account isn't subject to the whims of third-party aggregator. We advocate for your business directly with acquiring banks, which means stable processing, predictable settlements, and no surprise terminations. SEE YOUR RATES ## Get Your Specialized Quote Just because you're "high-risk" doesn't mean you should pay high prices. Let us show you what transparent Cost+ pricing looks like for CBD. Full Savings Calculator CBD PAYMENTS ## Frequently Asked Questions Account stability, ingestible product support, compliance features, and payout speed for CBD merchants. Does Cost+ process payments for CBD businesses? Yes. Cost+ specializes in CBD payment processing for both e-commerce and retail, offering dedicated Merchant IDs without the hidden high-risk surcharges of 2–4% that most processors charge CBD merchants. Will my CBD business get frozen like with Stripe or PayPal? Cost+ provides dedicated MIDs (not pooled accounts) for CBD merchants, with ISO/TSP-backed stability. Unlike Stripe and PayPal, which are known for freezing CBD accounts with zero warning, Cost+ understands the CBD industry and provides stable, long-term processing. Does Cost+ support ingestible CBD products? Cost+'s CBD page addresses product compliance and documentation guidance. The specific acceptance of ingestible CBD depends on EU and national regulations, and Cost+ offers compliance support including lab report and COA documentation guidance. What compliance features does Cost+ offer for CBD merchants? Cost+ provides product compliance support for EU/national regulations, age verification readiness, lab report and Certificate of Analysis (COA) documentation guidance, and real-time transaction monitoring — all critical for CBD businesses. How fast are payouts for CBD merchants at Cost+? As a high-risk merchant category, CBD businesses typically receive weekly or monthly payouts with T+3 to T+7 settlement and a 5–10% rolling reserve held for 180 days. This is significantly better than the 15–20% reserves many processors impose on CBD merchants. CHECKOUT OPTIONS ## Discover Our Supported Payment Methods Visa / Mastercard Apple Pay Google Pay Vipps MobilePay Swish Stop Guessing Get Your Quote --- ### Cigars Payment Processing https://costplus.io/industries/cigars-payment-processing _High - ticket fraud protection, stable dedicated MIDs, and wholesale IC++ pricing — because premium products deserve premium payment infrastructure._ cigar Payment Processing # Premium Merchant Accounts for Cigar Retailers & Lounges. High-ticket fraud protection, stable dedicated MIDs, and wholesale IC++ pricing — because premium products deserve premium payment infrastructure. Get Your Specialized Quote Cigars Processing, Built Right ## Where Others See Risk, We See a Business. Where Stripe says "No," we say "Let's make it work." As a direct ISO/TSP, we don't just accept high-risk merchants — we specialize in them. We use our direct relationships with acquiring banks to fight for your approval, build your case, and get you processing. Our ISO/TSP status means we sit at the table with the banks. We can vouch for your business model, explain your compliance posture, and advocate for fair terms. That's the difference between a generic aggregator and a specialized payment partner. The Cigar Payment Problem Cigar retailers face a unique combination of challenges: high average order values that trigger fraud flags, tobacco product classification that limits processor options, and a customer base that expects a seamless luxury buying experience. Enterprise-Grade Processing Cost+ provides payment processing specifically calibrated for the premium tobacco space. Our fraud prevention tools are tuned for high-AOV transactions — protecting you from chargebacks without blocking legitimate customers. And because we hold direct ISO/TSP status, your merchant account is managed by people who understand your business model, not an algorithm that flags every $300+ order. Global Payment Backbone Whether you're running an online cigar shop, a brick-and-mortar lounge, or both — we provide stable, compliant processing at fair IC++ rates. NO HIDDEN FEES ## No "High-Risk Surcharges." Just Transparent Pricing. Cigar merchants often pay 3-4% in processing fees because they're lumped into a generic "tobacco" risk category. But premium cigar retail has different risk characteristics than mass-market tobacco — higher AOV, lower volume, and a loyal customer base with minimal chargeback activity. Interchange Card Networks Scheme Fees Visa/MC/Amex Your Total Cost Nothing else Our Margin Percent, % Network Access Fee Euro, € Cost+ prices based on actual risk data, not broad industry stereotypes. Your IC++ rate reflects Interchange + Card Scheme Fee + our margin. If your chargeback rate is low and your customers are legitimate — your pricing should reflect that. Contact Sales REGULATORY READY ## Compliance Excellence Industry-specific regulatory expertise built into your processing infrastructure. High-AOV Fraud Protection Transaction monitoring and fraud scoring calibrated for high-ticket cigar purchases — preventing false declines while catching genuine fraud attempts. Tobacco Compliance Proper tobacco MCC classification and compliance with card brand rules for tobacco product sales, including required health warnings and marketing restrictions. Age Verification Age-gating integration for online cigar sales, meeting card brand and regulatory requirements for tobacco product e-commerce. Multi-Channel Support Unified processing for online sales, in-store POS, and cigar lounge operations — all under one dedicated merchant account. TRUSTED & VERIFIED ## Your Dedicated Merchant ID. No Pooling. No Surprises. Premium cigar retailers can't afford the embarrassment of a declined transaction on a $500 humidor purchase — or the business impact of a frozen merchant account during holiday season. Your MID is dedicated, stable, and managed through our direct acquiring relationships. We understand the seasonal patterns, high-ticket transactions, and the loyal repeat customers that define your business. SEE YOUR RATES ## Get Your Specialized Quote Just because you're "high-risk" doesn't mean you should pay high prices. Let us show you what transparent Cost+ pricing looks like for Cigars. Full Savings Calculator CIGAR PAYMENTS ## Frequently Asked Questions Risk classification, multi-channel support, fraud protection, and tobacco MCC compliance for cigar retailers. Does Cost+ provide payment processing for cigar retailers? Yes. Cost+ offers premium merchant accounts for cigar retailers and lounges with dedicated MIDs, high-ticket fraud protection, and IC++ pricing — without the generic 3–4% "tobacco" rates most processors charge. Is cigar e-commerce considered high-risk? Yes. Cigar sales are typically classified as high-risk by payment processors due to the tobacco MCC code, leading to rates of 3–4% above standard. Cost+ provides IC++ pricing that eliminates these hidden high-risk surcharges. Does Cost+ support multi-channel cigar businesses? Yes. Cost+ supports online e-commerce, brick-and-mortar retail, and lounge environments, allowing cigar businesses to use a single payment partner across all their sales channels. Does Cost+ offer fraud protection for high-ticket cigar orders? Yes. Cost+ provides high-AOV (Average Order Value) fraud protection specifically designed for premium products like cigars, where individual transactions can be significantly higher than typical e-commerce orders. Does Cost+ handle tobacco MCC compliance for cigars? Yes. Cost+ ensures proper tobacco MCC classification, age verification compliance, and card brand rules adherence for cigar merchants, reducing the risk of account issues due to miscategorization. CHECKOUT OPTIONS ## Discover Our Supported Payment Methods Visa / Mastercard Apple Pay Google Pay Vipps MobilePay Swish Stop Guessing Get Your Quote --- ### Forex Payment Processing https://costplus.io/industries/forex-payment-processing _Multi - currency settlements, high - AOV protection, and stable Merchant IDs for regulated Forex brokerages — with pricing that doesn't punish your..._ Forex Payment Processing # Global Forex Processing: Deep Liquidity & Instant Settlements. Multi-currency settlements, high-AOV protection, and stable Merchant IDs for regulated Forex brokerages — with pricing that doesn't punish your industry. Get Your Specialized Quote Forex Processing, Built Right ## Where Others See Risk, We See a Business. Where Stripe says "No," we say "Let's make it work." As a direct ISO/TSP, we don't just accept high-risk merchants — we specialize in them. We use our direct relationships with acquiring banks to fight for your approval, build your case, and get you processing. Our ISO/TSP status means we sit at the table with the banks. We can vouch for your business model, explain your compliance posture, and advocate for fair terms. That's the difference between a generic aggregator and a specialized payment partner. Rejected by Other Processors? Forex brokerages operate in a world of high transaction values, multi-currency complexity, and intense regulatory scrutiny. Most payment processors either reject Forex outright or charge punitive rates that eat into your margins. Direct Bank Access Cost+ takes a different approach. As a direct ISO/TSP, we maintain relationships with acquiring banks that understand the Forex business model. We support credit card deposits for MT4/MT5 platforms, handle multi-currency settlements across major and emerging market currencies, and provide the chargeback management tools that Forex businesses need. Stable IC++ Pricing Whether you're a newly licensed brokerage or an established platform processing millions monthly, we provide stable, compliant payment infrastructure at wholesale IC++ rates. NO HIDDEN FEES ## No "High-Risk Surcharges." Just Transparent Pricing. Forex merchants routinely face processing rates of 4-6% — with processors justifying the premium as "risk-based pricing." In reality, it's a margin grab on an industry with limited alternatives. Interchange Card Networks Scheme Fees Visa/MC/Amex Your Total Cost Nothing else Our Margin Percent, % Network Access Fee Euro, € Cost+ applies the same transparent IC++ formula to Forex as we do to any merchant: Interchange + Card Scheme Fee + our margin. No "Forex surcharge." No inflated authorization fees. Your processing cost reflects actual network costs, not an arbitrary risk tax. Contact Sales REGULATORY READY ## Compliance Excellence Industry-specific regulatory expertise built into your processing infrastructure. Regulated Broker Support We onboard brokerages regulated by FCA, CySEC, ASIC, and other recognized financial authorities. License verification is integral to our approval process. KYC/AML Integration Seamless integration with your existing KYC/AML workflows, including identity verification, source of funds checks, and ongoing transaction monitoring. Chargeback Management Advanced chargeback prevention tools including real-time alerts, evidence management, and representment support tailored to Forex dispute patterns. Multi-Currency Settlement Settle in multiple currencies to match your clients' deposit currencies — reducing FX exposure and improving the trader experience. TRUSTED & VERIFIED ## Your Dedicated Merchant ID. No Pooling. No Surprises. Forex brokerages can't afford processing instability a frozen merchant account means frozen client deposits and regulatory headaches. Your MID is dedicated and directly managed through our ISO relationships. We don't aggregate transactions with unrelated businesses, and we don't make knee-jerk decisions based on volume fluctuations. SEE YOUR RATES ## Get Your Specialized Quote Just because you're "high-risk" doesn't mean you should pay high prices. Let us show you what transparent Cost+ pricing looks like for Forex. Full Savings Calculator FOREX PAYMENTS ## Frequently Asked Questions MT4/MT5 support, compliance, new brokerage onboarding, and multi-currency settlement. Does Cost+ process payments for forex brokers? Yes. Cost+ supports regulated forex brokerages (FCA, CySEC, ASIC) with multi-currency settlements, high-AOV fraud protection, stable dedicated MIDs, and IC++ pricing without the 4–6% processing rates forex merchants typically face. Does Cost+ support MT4 and MT5 platforms? Yes. Cost+ supports credit card deposits for MT4/MT5 trading platforms, allowing forex brokers to integrate payment processing directly with their trading infrastructure. What compliance features does Cost+ offer for forex? Cost+ provides regulated broker support across FCA, CySEC, and ASIC jurisdictions, KYC/AML integration, chargeback management, and multi-currency settlement — all critical for compliant forex operations. Can new forex brokerages get accounts with Cost+? Yes. Cost+ offers onboarding for new brokerages. Requirements include proper licensing from recognized regulators and standard KYC/AML documentation. The onboarding process includes license validation and business model assessment. Does Cost+ offer multi-currency settlement for forex? Yes. Multi-currency settlement is a core feature for forex merchants at Cost+, supporting the multi-currency nature of trading platforms where clients deposit and withdraw in different currencies. CHECKOUT OPTIONS ## Discover Our Supported Payment Methods Visa / Mastercard Apple Pay Google Pay Vipps MobilePay Swish Stop Guessing Get Your Quote --- ### iGaming Payment Processing https://costplus.io/industries/igaming-payment-processing _Low - latency transactions, multi - currency payouts, and enterprise - grade infrastructure — built for licensed gaming operators who refuse to overpay._ iGaming Payment Processing # Scale Your ‍iGaming Platform with High-Approval Processing. Low-latency transactions, multi-currency payouts, and enterprise-grade infrastructure — built for licensed gaming operators who refuse to overpay. Get Your Specialized Quote iGaming Processing, Built Right ## Where Others See Risk, We See a Business. Where Stripe says "No," we say "Let's make it work." As a direct ISO/TSP, we don't just accept high-risk merchants — we specialize in them. We use our direct relationships with acquiring banks to fight for your approval, build your case, and get you processing. Our ISO/TSP status means we sit at the table with the banks. We can vouch for your business model, explain your compliance posture, and advocate for fair terms. That's the difference between a generic aggregator and a specialized payment partner. High-Volume Ready iGaming operators need more than just a payment gateway — they need infrastructure that handles massive volume spikes during live events, supports dozens of currencies for global player bases, and maintains approval rates that keep players in the game. IC++ Without the Risk Premium Cost+ delivers enterprise-grade IC++ processing purpose-built for licensed gaming platforms. Our direct relationships with Tier-1 acquiring banks mean we can support the volume, velocity, and complexity that iGaming demands — without the "risk premium" markup that other processors hide in their rates. Global Payment Backbone From sports betting to online casinos, poker rooms to fantasy sports — we provide the payment backbone that keeps your platform running at full speed. NO HIDDEN FEES ## No "High-Risk Surcharges." Just Transparent Pricing. iGaming processors love to charge "risk premiums" — sometimes 3-5% per transaction on top of interchange. They justify it with vague references to chargebacks and regulatory complexity. Interchange Card Networks Scheme Fees Visa/MC/Amex Your Total Cost Nothing else Our Margin Percent, % Network Access Fee Euro, € At Cost+, we believe licensed operators deserve transparent pricing. Your IC++ rate is Interchange + Card Scheme Fee + our margin. No hidden gaming surcharges. No inflated per-transaction fees. The same Cost+ logic that powers low-risk retail — applied fairly to your licensed operation. Contact Sales REGULATORY READY ## Compliance Excellence Industry-specific regulatory expertise built into your processing infrastructure. License Verification Just because you're "high-risk" doesn't mean you should pay high prices. Let us show you what transparent Cost+ pricing looks like for iGaming. Responsible Gaming Tools Integration support for deposit limits, self-exclusion triggers, and responsible gaming frameworks required by licensing authorities. AML Compliance Built-in anti-money laundering monitoring, suspicious activity reporting, and KYC verification workflows. Multi-Jurisdiction Support Process payments across multiple regulated markets with jurisdiction-specific compliance rules applied automatically. TRUSTED & VERIFIED ## Your Dedicated Merchant ID. No Pooling. No Surprises. Your iGaming MID is dedicated and isolated — not pooled with unrelated businesses. Our direct ISO status means we sit at the table with acquiring banks, advocating for your platform's specific needs. Volume spikes during a Champions League final? We've built for that. processing infrastructure engineered for stability under pressure. SEE YOUR RATES ## Get Your Specialized Quote Full Savings Calculator iGAMING PAYMENTS ## Frequently Asked Questions Licensing support, compliance, processing rates, transaction latency, and settlement times for iGaming. Does Cost+ support licensed iGaming operators? Yes. Cost+ provides high-approval payment processing for licensed iGaming operators with license verification for MGA, UKGC, Isle of Man, and Curacao jurisdictions, multi-currency payouts, and enterprise-grade infrastructure. What iGaming compliance features does Cost+ offer? Cost+ provides license verification across multiple jurisdictions, responsible gaming tools integration, AML compliance, multi-jurisdiction support, and fraud prevention — all essential for licensed gaming operations. How much do iGaming merchants typically pay for processing? Most processors charge iGaming merchants risk premiums of 3–5% per transaction. Cost+ uses IC++ pricing without hidden high-risk surcharges, potentially saving iGaming operators thousands per month on processing costs. Does Cost+ support low-latency transactions for iGaming? Yes. Cost+ delivers low-latency transaction processing for iGaming platforms, ensuring fast deposits and withdrawals that are critical for real-time gaming experiences. What settlement times does Cost+ offer for iGaming? iGaming merchants receive weekly or monthly payouts with T+3 to T+7 settlement and a 5–10% rolling reserve. Cost+'s Tier-1 infrastructure supports multi-currency settlements across multiple gaming jurisdictions. CHECKOUT OPTIONS ## Discover Our Supported Payment Methods Visa / Mastercard Apple Pay Google Pay Vipps MobilePay Swish Stop Guessing Get Your Quote --- ### Nicotine Pouch Payment Processing https://costplus.io/industries/nicotine-pouch-payment-processing _Age - verification ready, card - brand compliant, and priced fairly — because selling a legal product shouldn't mean paying a "sin tax" on processing._ Nicotine Pouches Payment Processing # Specialized Payments for the Nicotine Pouch Industry. Age-verification ready, card-brand compliant, and priced fairly — because selling a legal product shouldn't mean paying a "sin tax" on processing. Get Your Specialized Quote Nicotine Pouches Processing, Built Right ## Where Others See Risk, We See a Business. Where Stripe says "No," we say "Let's make it work." As a direct ISO/TSP, we don't just accept high-risk merchants — we specialize in them. We use our direct relationships with acquiring banks to fight for your approval, build your case, and get you processing. Our ISO/TSP status means we sit at the table with the banks. We can vouch for your business model, explain your compliance posture, and advocate for fair terms. That's the difference between a generic aggregator and a specialized payment partner. Nicotine Pouch Regulations The nicotine pouch industry sits in a regulatory grey zone that most payment processors don't want to navigate. Banks classify it differently depending on the jurisdiction — sometimes as "tobacco," sometimes as "alternative nicotine," sometimes they just say no. Direct Banking for ATP Merchants Cost+ understands the Alternative Tobacco Product (ATP) space. We work with acquiring banks who have explicitly approved nicotine pouch merchant categories, and we help you integrate the age-verification tools that card brands require. Our direct ISO status means your account is properly classified, properly compliant, and properly stable. Scalable Payment Solutions Whether you're selling online, through retail distribution, or both — we provide the payment infrastructure that lets you focus on scaling your brand. NO HIDDEN FEES ## No "High-Risk Surcharges." Just Transparent Pricing. Nicotine pouch merchants often face processing rates of 4-6% because processors lump them into a generic "high-risk tobacco" category. But nicotine pouches aren't cigarettes — they're a distinct, growing product category that deserves fair pricing. Interchange Card Networks Scheme Fees Visa/MC/Amex Your Total Cost Nothing else Our Margin Percent, % Network Access Fee Euro, € Cost+ applies transparent IC++ pricing: Interchange + Card Scheme Fee + our margin. No "tobacco surcharge." No inflated per-transaction fees. Your processing cost reflects the actual cost of processing your transactions — nothing more. Contact Sales REGULATORY READY ## Compliance Excellence Industry-specific regulatory expertise built into your processing infrastructure. Age Verification Integration Mandatory age-gating at checkout using approved third-party verification services. We guide you through card brand requirements for age-restricted product sales. Product Classification Proper MCC (Merchant Category Code) classification for alternative tobacco products — ensuring your account is categorized correctly with acquiring banks and card networks. Regional Compliance Navigating the patchwork of EU and national regulations on nicotine products. We monitor regulatory changes and keep your processing aligned. Card Brand Rules Visa and Mastercard have specific rules for tobacco-adjacent products. We ensure your checkout flow, marketing, and product descriptions meet these requirements. TRUSTED & VERIFIED ## Your Dedicated Merchant ID. No Pooling. No Surprises. Nicotine pouch merchants are tired of being pooled with vape, CBD, and unregulated supplement sellers — and then losing their processing when someone else in the pool causes problems. Your MID is dedicated and isolated. Our direct ISO relationships mean your account stability depends on your compliance not someone else's. SEE YOUR RATES ## Get Your Specialized Quote Just because you're "high-risk" doesn't mean you should pay high prices. Let us show you what transparent Cost+ pricing looks like for Nicotine Pouches. Full Savings Calculator NICOTINE POUCH PAYMENTS ## Frequently Asked Questions Bank classification, age verification, international sales, and merchant onboarding for nicotine pouches. Does Cost+ accept nicotine pouch merchants? Yes. Cost+ specializes in payment processing for the Alternative Tobacco Product (ATP) space, including nicotine pouches. We provide dedicated MIDs without the 4–6% high-risk surcharges common in the industry. How are nicotine pouches classified by banks? Banks typically classify nicotine pouches under generic "high-risk tobacco" MCC codes, which triggers elevated processing rates of 4–6%. Cost+ uses proper MCC classification to avoid unnecessary surcharges and provides IC++ pricing transparency. Does Cost+ support age verification for nicotine products? Yes. Cost+ offers age verification integration as part of its compliance features for nicotine pouch merchants, along with regional EU compliance support and card brand rules compliance. Can I sell nicotine pouches internationally with Cost+? Yes. Cost+ supports international sales with multi-currency processing across 100+ countries, while ensuring compliance with regional regulations. They provide guidance on navigating the varying legal requirements for nicotine products across different markets. What makes Cost+ different from other processors for nicotine pouches? Cost+ understands the ATP space and provides dedicated MIDs (not pooled), proper MCC classification, IC++ pricing without high-risk surcharges, age verification readiness, and card brand compliance — rather than treating nicotine pouches as generic "tobacco" with inflated rates. CHECKOUT OPTIONS ## Discover Our Supported Payment Methods Visa / Mastercard Apple Pay Google Pay Vipps MobilePay Swish Stop Guessing Get Your Quote --- ### Vape Payment Processing https://costplus.io/industries/vape-payment-processing _Fast onboarding, dedicated Merchant IDs, and pricing that doesn't punish you for being in the vape industry. Stop the processor roulette._ Vape Payment Processing # Stable Vape Payment Gateways for E-liquid & Hardware. Fast onboarding, dedicated Merchant IDs, and pricing that doesn't punish you for being in the vape industry. Stop the processor roulette. Get Your Specialized Quote Vape Processing, Built Right ## Where Others See Risk, We See a Business. Where Stripe says "No," we say "Let's make it work." As a direct ISO/TSP, we don't just accept high-risk merchants — we specialize in them. We use our direct relationships with acquiring banks to fight for your approval, build your case, and get you processing. Our ISO/TSP status means we sit at the table with the banks. We can vouch for your business model, explain your compliance posture, and advocate for fair terms. That's the difference between a generic aggregator and a specialized payment partner. Unstable Processing Vape merchants live in a state of constant uncertainty. Processors accept you, then drop you. Payment gateways work for three months, then freeze your funds. You spend more time managing payment infrastructure than growing your business. No More Roulette Cost+ ends the processor roulette. Our direct ISO/TSP status means we work with acquiring banks who have explicitly committed to the vape category — for both e-liquid and hardware sales. We don't onboard you through a back door only to shut you down when compliance gets complicated. Built to Last Our onboarding is fast, our MIDs are dedicated, and our pricing is transparent. Whether you sell hardware-only, e-liquids, or full-range vape products — we provide stable processing infrastructure that actually lasts. NO HIDDEN FEES ## No "High-Risk Surcharges." Just Transparent Pricing. Vape merchants are used to hearing rates of 5-7% — with processors justifying the premium as "risk-based pricing" while providing zero transparency on what that risk actually costs them. Interchange Card Networks Scheme Fees Visa/MC/Amex Your Total Cost Nothing else Our Margin Percent, % Network Access Fee Euro, € Cost+ strips away the mystery. Your pricing is Interchange + Card Scheme Fee + our margin. The same transparent IC++ formula we apply to every merchant. No "vape surcharge." No hidden monthly fees. No rolling reserve surprises three months in. Contact Sales REGULATORY READY ## Compliance Excellence Industry-specific regulatory expertise built into your processing infrastructure. TPD Compliance (EU) Processing infrastructure aligned with the EU Tobacco Products Directive requirements for e-cigarettes and vaping products, including product notification and labeling compliance. Age Verification Mandatory age-gating at checkout with approved third-party verification services. We ensure your checkout flow meets card brand requirements for age-restricted products. Product Categorization Proper classification of hardware vs. e-liquid vs. nicotine-free products — ensuring your MCC and product descriptions align with acquiring bank and card network requirements. Marketing Compliance Guidance on website content, product descriptions, and marketing materials to meet card brand rules for tobacco-adjacent product advertising. TRUSTED & VERIFIED ## Your Dedicated Merchant ID. No Pooling. No Surprises. The biggest fear for vape merchants isn't chargebacks — it's waking up to find their merchant accounts terminated with funds held for 180 days. With your dedicated MID is backed by our direct ISO relationships acquiring banks who committed to the vape category. account stability depends on your compliance and performance — not on a processor's shifting risk appetite. SEE YOUR RATES ## Get Your Specialized Quote Just because you're "high-risk" doesn't mean you should pay high prices. Let us show you what transparent Cost+ pricing looks like for Vape. Full Savings Calculator VAPE PAYMENTS ## Frequently Asked Questions Rates, hardware-only sales, compliance features, and onboarding speed for vape merchants. Does Cost+ process payments for vape businesses? Yes. Cost+ provides stable payment gateways for e-liquid, hardware, and full-range vape retailers with fast onboarding, dedicated MIDs, and IC++ pricing — ending the "processor roulette" that vape merchants often face. What rates do vape merchants typically pay elsewhere? Vape merchants commonly face processing rates of 5–7% from mainstream processors that accept them. Cost+ offers IC++ pricing without hidden high-risk surcharges, significantly reducing the cost of payment processing. Does Cost+ support hardware-only vape sales? Yes. Cost+ supports various vape business models including hardware-only sellers, e-liquid retailers, and full-range stores. Product categorization distinguishes between hardware, e-liquid, and nicotine-free products. What compliance does Cost+ offer for vape merchants? Cost+ provides TPD (EU Tobacco Products Directive) compliance support, age verification, product categorization guidance for different vape product types, and marketing compliance assistance. How fast is vape merchant onboarding at Cost+? Cost+ offers fast onboarding for vape merchants, with dedicated MIDs rather than pooled accounts. The process includes product categorization, compliance verification, and account setup designed to be completed quickly. CHECKOUT OPTIONS ## Discover Our Supported Payment Methods Visa / Mastercard Apple Pay Google Pay Vipps MobilePay Swish Stop Guessing Get Your Quote --- ### Accept Apple Pay with Costplus https://costplus.io/payment-methods/accept-apple-pay-with-costplus _Biometric security meets transparent pricing. No wallet surcharges, no hidden gateway clicks, no monthly subscription just to enable Apple Pay. FaceID and..._ Apple Pay — Payment Method # Convert 2x Faster with Apple Pay & Zero Fixed Fees. Biometric security meets transparent pricing. No wallet surcharges, no hidden gateway clicks, no monthly subscription just to enable Apple Pay. FaceID and TouchID drive faster checkouts and lower cart abandonment. Start for €0/mo Visa / Mastercard Apple Pay MobilePay Google Pay Vipps Swish APPLE PAY PAYMENTS ## The Hidden Tax on Apple Pay Many providers tack on a separate “wallet surcharge” or higher per-transaction fee for Some charge monthly gateway fees on top. treats like any other card payment — same transparent IC++ pricing. Seamless across all Apple devices. Tap-to-pay in-store, one-touch online — the premium checkout experience your customers expect. SEE YOUR RATES ## Get Your Specialized Quote Your rate depends on your card mix, regions, and transaction methods. Get a quote based on your actual volume. Contact Sales Full Savings Calculator PLATFORMS & API ## Discover Our Integrations See All FaceID / TouchID biometric authentication Up to 2x faster checkout vs. manual card entry Lower cart abandonment rates No wallet surcharges — same IC++ rate as card payments ## Frequently Asked Questions Pricing, checkout conversion, security, and supported integrations for Apple Pay through Cost+. Does Cost+ support Apple Pay? Yes. Cost+ offers Apple Pay integration with FaceID/TouchID biometric authentication, no wallet surcharges, and the same IC++ pricing as card transactions — no extra fees for using Apple Pay. Does Apple Pay cost extra through Cost+? No. Apple Pay transactions are processed at the same IC++ rate as regular card payments — no wallet surcharge, no hidden gateway fees, no monthly subscription. The pricing is fully transparent. How does Apple Pay improve checkout conversion? Apple Pay enables up to 2x faster checkout compared to manual card entry, with FaceID or TouchID biometric authentication. This reduces cart abandonment and improves the customer experience, especially on mobile devices. Is Apple Pay secure through Cost+? Yes. Apple Pay uses device-level biometric authentication (FaceID/TouchID) and tokenized card numbers, meaning the actual card number is never shared. Combined with Cost+'s PCI DSS Level 1 certification, it provides enterprise-grade security. Which Cost+ integrations support Apple Pay? Apple Pay is supported across all Cost+ e-commerce integrations including Shopify, WooCommerce, Magento, and all other platforms, as well as through the developer API and SDKs. Stop Guessing ## Switch to Transparent Pricing €0 monthly. €0 gateway fees. €0 3DS fees. Pay only when you earn. Get Started Free --- ### Accept Google Pay with Costplus https://costplus.io/payment-methods/accept-google-pay-with-costplus _Direct TSP integration for a native Android and web experience. The auth fee is bundled into a single transparent Cost+ line item — no separate 3DS fees, no..._ Google Pay — Payment Method # Secure, Global, and Transparent: Google Pay Integration. Direct TSP integration for a native Android and web experience. The auth fee is bundled into a single transparent Cost+ line item — no separate 3DS fees, no gateway fees, no monthly subscription. Start for €0/mo Visa / Mastercard Apple Pay MobilePay Google Pay Vipps Swish GOOGLE PAY PAYMENTS ## The Hidden Tax on Google Pay Other PSPs often charge separate fees for 3DS authentication, tokenization, and gateway access when processing With everything is bundled into one transparent authorization fee. Cross-platform reach across Android, Chrome, and the web. tokenized security meets radical transparency. SEE YOUR RATES ## Get Your Specialized Quote Your rate depends on your card mix, regions, and transaction methods. Get a quote based on your actual volume. Contact Sales Full Savings Calculator PLATFORMS & API ## Discover Our Integrations See All Cross-platform: Android, Chrome, and web Tokenized card security by default Single transparent auth fee — no hidden line items IC++ wholesale rates on every transaction ## Frequently Asked Questions Pricing, device compatibility, security, and supported platforms for Google Pay through Cost+. Does Cost+ support Google Pay? Yes. Cost+ offers direct TSP integration for Google Pay across Android, Chrome, and web platforms. The auth fee is bundled into a single transparent line item with no separate 3DS, gateway, or monthly fees. Is there an extra charge for Google Pay through Cost+? No. Google Pay transactions use the same IC++ pricing as all Cost+ payment methods — interchange + scheme + 0.50% + EUR 0.15. There are no wallet surcharges or additional fees. Does Google Pay work on all devices through Cost+? Yes. The Cost+ Google Pay integration is cross-platform, supporting Android devices, Chrome browser, and web applications. It uses tokenized card security by default for enhanced protection. How does Google Pay's security work with Cost+? Google Pay tokenizes card data by default, meaning the actual card number is never exposed during the transaction. Combined with Cost+'s PCI DSS Level 1 infrastructure, this provides robust security without additional authentication fees. Which platforms support Google Pay via Cost+? Google Pay is available across all Cost+ e-commerce integrations — Shopify, WooCommerce, Magento, and more — plus through the developer API for custom implementations. Stop Guessing ## Switch to Transparent Pricing €0 monthly. €0 gateway fees. €0 3DS fees. Pay only when you earn. Get Started Free --- ### Accept MobilePay with Costplus https://costplus.io/payment-methods/accept-mobilepay-with-costplus _MobilePay is the #1 choice in Denmark. Stop paying fixed monthly fees just to offer it. With Cost+, you get zero monthly subscriptions and simple pay - as -..._ MobilePay — Payment Method # Master the Danish Market with MobilePay & Cost+ Pricing. MobilePay is the #1 choice in Denmark. Stop paying fixed monthly fees just to offer it. With Cost+, you get zero monthly subscriptions and simple pay-as-you-go IC++ pricing — so you only pay when you earn. Start for €0/mo Visa / Mastercard Apple Pay MobilePay Google Pay Vipps Swish MOBILEPAY PAYMENTS ## The Hidden Tax on MobilePay Most PSPs charge a monthly subscription fees (often €7/mo or more) just to enable — plus separate 3DS and tokenization fees on every transaction. With those tokenization fees disappear. Trusted by Danish merchants nationwide. dominates in the Danish checkout experience with 90%+ penetration. SEE YOUR RATES ## Get Your Specialized Quote Your rate depends on your card mix, regions, and transaction methods. Get a quote based on your actual volume. Contact Sales Full Savings Calculator Flat Fee Option Available Through our direct partnership with Vipps and MobilePay, we also offer Flat Fee agreements for low-risk merchants. Contact us to learn more about simplified, predictable MobilePay pricing for your business. Contact Us for Details PLATFORMS & API ## Discover Our Integrations See All Denmark's #1 mobile wallet Instant mobile checkout experience Low interchange rates for domestic transactions Full IC++ cost transparency on every payment ## Frequently Asked Questions Processing costs, flat-fee options, platform support, and why MobilePay matters for Danish e-commerce. Can I accept MobilePay payments through Cost+? Yes. Cost+ offers MobilePay integration with zero monthly subscription and IC++ transparent pricing. MobilePay has over 90% penetration in Denmark, making it essential for merchants targeting Danish consumers. How much does it cost to accept MobilePay via Cost+? Cost+ charges IC++ pricing (interchange + scheme fees + 0.50% margin + EUR 0.15 auth fee) with zero monthly subscription, zero gateway fee, zero 3DS fee, and zero tokenization fee. At EUR 50,000 monthly volume, estimated savings are EUR 307/month versus standard providers. Is there a flat-fee option for MobilePay through Cost+? Yes. Cost+ offers a flat fee option for MobilePay through a direct partnership with Vipps MobilePay, available for low-risk merchants who prefer predictable per-transaction costs. Which e-commerce platforms support MobilePay via Cost+? MobilePay is available through Cost+ on Shopify, WooCommerce, and Magento, with additional platform support through the developer API. Why is MobilePay important for Danish e-commerce? MobilePay has over 90% penetration in Denmark, making it the country's most popular mobile payment method. Offering MobilePay through Cost+ gives merchants instant mobile checkout with low domestic interchange rates and full IC++ transparency. Stop Guessing ## Switch to Transparent Pricing €0 monthly. €0 gateway fees. €0 3DS fees. Pay only when you earn. Get Started Free --- ### Accept Swish with Costplus https://costplus.io/payment-methods/accept-swish-with-costplus _Swish is the heartbeat of Swedish e - commerce with 8M+ active users. We support Swish payments through our gateway, but the Swish agreement itself must be..._ Swish — Payment Method # Accept Swish through Your Own Agreement — We Handle the Gateway. Swish is the heartbeat of Swedish e-commerce with 8M+ active users. We support Swish payments through our gateway, but the Swish agreement itself must be held directly by your business. We charge only a small, transparent gateway fee of €0.05 per transaction on top — no monthly subscriptions, no hidden surcharges. Start for €0/mo Visa / Mastercard Apple Pay MobilePay Google Pay Vipps Swish SWISH PAYMENTS ## The Hidden Tax on Swish Unlike other PSPs that bundle behind expensive gateway subscriptions and per-transaction surcharges keeps it simple: bring your own agreement and we route the transactions for just €0.05 per transaction. No monthly fee, no markup on the costs themselves. Sweden's dominant mobile payment method with 8M+ active users. drives the highest mobile conversion rates in Scandinavia. SEE YOUR RATES ## Get Your Specialized Quote Your rate depends on your card mix, regions, and transaction methods. Get a quote based on your actual volume. Contact Sales Full Savings Calculator PLATFORMS & API ## Discover Our Integrations See All Bring your own Swish agreement — full control Transparent €0.05 gateway fee per transaction No monthly subscription or hidden surcharges Real-time bank-to-bank payments for instant checkout ## Frequently Asked Questions Costs, agreement requirements, Swedish market reach, and supported platforms. How does Swish work with Cost+? Unlike other payment methods, Swish requires merchants to bring their own Swish agreement with their bank. Cost+ acts as the gateway and charges only EUR 0.05 per transaction — no monthly subscription, no hidden surcharges. How much does Swish cost through Cost+? Cost+ charges a flat EUR 0.05 per Swish transaction as a gateway fee. There are no monthly subscriptions, no hidden 3DS charges, and no tokenization fees. This is significantly cheaper than competitors who charge EUR 0.13–0.25 per transaction. Do I need my own Swish agreement to use Cost+? Yes. Merchants must have their own Swish agreement directly with their bank. Cost+ handles the gateway routing for just EUR 0.05/tx, giving you full control over your Swish relationship and costs. How many users does Swish have in Sweden? Swish has over 8 million active users in Sweden, making it the dominant mobile payment method in the country. For merchants targeting Swedish consumers, accepting Swish through Cost+ provides real-time bank-to-bank payments. Which platforms support Swish via Cost+? Swish is available through Cost+ on Shopify, WooCommerce, and Magento. The integration enables real-time bank-to-bank payments with automatic order synchronization. Stop Guessing ## Switch to Transparent Pricing €0 monthly. €0 gateway fees. €0 3DS fees. Pay only when you earn. Get Started Free --- ### Accept Vipps with Costplus https://costplus.io/payment-methods/accept-vipps-with-costplus _Capture 4M+ Norwegian mobile users with zero monthly access fees. Vipps is Norway's leading wallet, and with Cost+, you get pure pay - as - you - go..._ Vipps — Payment Method # Accept Vipps Like a Local — Without the Subscription Tax. Capture 4M+ Norwegian mobile users with zero monthly access fees. Vipps is Norway's leading wallet, and with Cost+, you get pure pay-as-you-go pricing backed by ISO-grade acquiring stability. Start for €0/mo Visa / Mastercard Apple Pay MobilePay Google Pay Vipps Swish VIPPS PAYMENTS ## The Hidden Tax on Vipps Traditional payment providers bundle behind monthly subscription fees charging €7/mo+ just for access, plus gateway fees and authentication fees per transaction. eliminates all of that. Built for the Norwegian market. is the trusted checkout method for Norwegian consumers across all demographics. SEE YOUR RATES ## Get Your Specialized Quote Your rate depends on your card mix, regions, and transaction methods. Get a quote based on your actual volume. Contact Sales Full Savings Calculator Flat Fee Option Available Through our direct partnership with Vipps and MobilePay, we also offer Flat Fee agreements for low-risk merchants. Contact us to learn more about simplified, predictable Vipps pricing for your business. Contact Us for Details PLATFORMS & API ## Discover Our Integrations See All Norway's leading mobile wallet with 4M+ users ISO-backed stability for high-uptime processing Real-time payment confirmations Zero monthly access fees — pure pay-as-you-go ## Frequently Asked Questions Processing costs, platform support, ISO-backed stability, and whether Vipps fits your store. Can I accept Vipps payments through Cost+? Yes. Cost+ provides Vipps integration to capture Norway's 4 million+ mobile wallet users with zero monthly access fees and IC++ transparent pricing. How much does Vipps processing cost through Cost+? Same IC++ pricing as all Cost+ payment methods: interchange + scheme fees + 0.50% + EUR 0.15 auth fee. No monthly subscription, no gateway fee, no 3DS fee. A flat fee option is also available through the Vipps MobilePay partnership. Does Cost+ provide ISO-backed stability for Vipps merchants? Yes. As a licensed ISO/TSP, Cost+ offers acquiring stability for Vipps merchants with real-time payment confirmations and dedicated merchant support, unlike aggregated payment providers. Which platforms support Vipps via Cost+? Vipps is available through Cost+ on Shopify, WooCommerce, and Magento, plus any custom platform via the developer API and SDKs. Is Vipps popular enough to justify adding it to my store? With over 4 million active users in Norway, Vipps is the country's leading mobile wallet. For any merchant targeting Norwegian consumers, offering Vipps can significantly reduce checkout friction and increase conversion rates. Stop Guessing ## Switch to Transparent Pricing €0 monthly. €0 gateway fees. €0 3DS fees. Pay only when you earn. Get Started Free --- ### Accept Visa Mastercard with Costplus https://costplus.io/payment-methods/accept-visa-mastercard-with-costplus _"Blended rates" like 1.35% are a trap — they hide profit margins inside a single opaque number. With Cost+ IC++ pricing, you see every fee component:..._ Visa & Mastercard — Payment Method # The Power of Global Schemes. The Transparency of Cost+. "Blended rates" like 1.35% are a trap — they hide profit margins inside a single opaque number. With Cost+ IC++ pricing, you see every fee component: interchange, scheme, and our flat margin. Debit savings are passed directly to you. Start for €0/mo Visa / Mastercard Apple Pay MobilePay Google Pay Vipps Swish VISA & MASTERCARD PAYMENTS ## The Hidden Tax on Visa & Mastercard Standard providers bundle interchange, scheme fees, and their own margin into a blended rate (e.g. 1.35%). You never know how much goes to the network vs. their pocket. breaks it all down — transparently. Accepted globally. Process across Europe and beyond with true wholesale interchange passthrough. SEE YOUR RATES ## Get Your Specialized Quote Your rate depends on your card mix, regions, and transaction methods. Get a quote based on your actual volume. Contact Sales Full Savings Calculator PLATFORMS & API ## Discover Our Integrations See All True interchange passthrough — no blended rate markup Scheme fees passed at cost Flat 0.50% margin — the only part we control Full cost breakdown on every transaction ## Frequently Asked Questions IC++ rates, markup transparency, global coverage, and 3D Secure inclusion for card transactions. What are the IC++ interchange rates for EU debit and credit cards? EU Debit cards have interchange rates of approximately 0.20%–0.30%, EU Credit cards run 0.30%–0.60%, and Non-EU/Corporate cards are 1.00%–2.00%+. Cost+ passes these rates through at cost with zero markup on interchange. Why is IC++ better than blended pricing for Visa and Mastercard? Blended rates like 1.35% apply the same percentage regardless of card type, hiding the actual cost. With IC++, a EUR 100 EU debit transaction might cost only 0.20% interchange + 0.15% scheme + 0.50% margin = 0.85% total, versus 1.35% with a blended provider — saving 37% on that transaction. Does Cost+ mark up interchange or scheme fees? No. Cost+ passes through both interchange fees and scheme fees at exact cost with zero markup. The only component they control is their flat 0.50% margin plus EUR 0.15 authorization fee. Does Cost+ support Visa and Mastercard globally? Yes. Through Tier-1 acquiring partnerships, Cost+ processes Visa and Mastercard transactions across 100+ countries. IC++ pricing applies regardless of the card's country of origin, with the interchange rate reflecting the actual card type. Are 3D Secure fees included for Visa and Mastercard transactions? Yes. Cost+ includes 3D Secure 2.0 authentication at no extra cost, bundled into the EUR 0.15 authorization fee. Many competitors charge EUR 0.03 or more per 3DS authentication as a separate line item. Stop Guessing ## Switch to Transparent Pricing €0 monthly. €0 gateway fees. €0 3DS fees. Pay only when you earn. Get Started Free --- ### Compare FreePay https://costplus.io/alternatives/freepay-alternative _Freepay charges 99 DKK/month, plus 0.80 DKK per authorization, plus separate acquirer fees starting from 0.99%. And if you want Nets/Dankort? That's an..._ Freepay Alternative # 'Free' Is Just the Name. 99 kr./Month Is the Price. Freepay charges 99 DKK/month, plus 0.80 DKK per authorization, plus separate acquirer fees starting from 0.99%. And if you want Nets/Dankort? That's an extra 49 DKK/month. Cost+ has zero monthly fees and includes everything in one transparent IC++ price. Get Your Free Rate Comparison HIGH-RISK FRIENDLY ## Freepay Doesn't Do High-Risk. We Do. focuses exclusively on low-risk Danish e-commerce and does not support merchants in specialized industries. If you operate in CBD, nutraceuticals, gaming or other verticals, you'll need to look elsewhere. was purpose-built for these Our ISO status and direct banking relationships provide stable, long-term merchant accounts across Europe and Scandinavia. For Startups For Scale WHY COST+ ## The Name Says Free. The Invoice Doesn't. ## Stop Subsidizing a 'Free' Brand with Your Transaction Fees. Freepay's 'free' branding is misleading. You pay 99 DKK/month for the gateway, 0.80 DKK per authorization attempt (not just successful transactions), and separate acquirer rates from 0.99%. Add Nets/Dankort support at 49 DKK/month extra, and a small Danish webshop can easily pay 2,000+ DKK/month before even counting acquirer percentages. With Cost+, you pay zero monthly fees. Zero gateway fees. Just IC++ pricing. 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. Freepay's 0.80 DKK/tx auth fee only covers gateway authorization — you still pay a separate acquirer on top. Our €0.15 auth fee covers it all: gateway, acquiring, and processing in one. At scale, Freepay's 0.80 DKK per authorization adds up to a massive hidden cost. Processing 20,000 transactions/month means 16,000 DKK/year in auth fees alone — on top of your 99 DKK/month subscription and acquirer rates. Cost+ eliminates all of these layers. Through direct acquirer partnerships, we bundle gateway and acquiring into one contract. One price, fully transparent. Every Cost+ transaction is itemized: Interchange + Card Scheme Fee + 0.50% margin + €0.15 auth fee. Freepay charges 0.80 DKK just for gateway auth. Our €0.15 includes everything: gateway, acquiring, and 3DS. FEE COMPARISON ## Freepay vs. Cost+ Side by Side Subscription fees, auth costs, Nets/Dankort pricing, and all-in-one vs. multi-provider setup compared. Features Monthly Subscription 0 DKK 99 DKK / Month Authorization Fee €0.15 (includes gateway + acquiring + 3DS) 0.80 DKK / tx (gateway auth only — acquirer separate) EU Card Rate Interchange + Scheme Fee + 0.50% + €0.15 auth fee From 0.99% (+ gateway + auth fees) Nets/Dankort Add-on Included +49 DKK / Month Pricing Model Interchange + Scheme + Margin + Auth Fee (all-in-one) Subscription + Auth + Acquirer High-Risk Support Specialized / High Acceptance Not supported 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. Contact Sales 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” 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. FREEPAY ## Frequently Asked Questions Hidden costs, auth fees, Nets/Dankort support, and high-risk processing compared. Is Freepay really free to use? Despite the name, Freepay charges 99 DKK/month subscription plus 0.80 DKK per authorization (gateway-only), and merchants still need a separate acquirer with rates starting from 0.99%. Adding Nets/Dankort support costs an extra 49 DKK/month. The real costs can quickly exceed 2,000 DKK/month for small Danish shops. How do Freepay's authorization fees add up? Freepay charges 0.80 DKK per authorization as a gateway-only fee. At 20,000 transactions per month, that equals 16,000 DKK per year in auth fees alone — on top of the 99 DKK monthly subscription and separate acquirer rates. Cost+ charges EUR 0.15 per auth that covers gateway, acquiring, and processing combined. Does Freepay include Nets/Dankort support? Not by default. Freepay charges an additional 49 DKK/month to add Nets/Dankort support. Cost+ includes Dankort support in its standard offering with no extra monthly fee, making it more cost-effective for Danish merchants. Can Freepay process high-risk transactions? No. Freepay focuses exclusively on low-risk Danish e-commerce and does not support high-risk industries. Cost+ supports high-risk merchants across Europe and Scandinavia, including CBD, gaming, forex, and vape, with dedicated MIDs and IC++ pricing. Does Freepay charge for failed authorization attempts? Freepay's auth fee is charged on all authorization attempts, not just successful transactions. This means merchants pay even when a transaction fails. Cost+'s EUR 0.15 authorization fee is part of an all-in pricing model that bundles gateway and acquiring into one transparent cost. Stop Guessing ## Still Got Questions? We’ve Got Answers Contact our sales team for setting up your Cost+ account and receive your first payments --- ### Compare Mollie https://costplus.io/alternatives/mollie-alternative _Mollie charges one of the highest blended rates in Europe at 1.80% + €0.25 per transaction. That means you're paying the same whether the card costs..._ Mollie Alternative # 1.80% Is Not Wholesale. It's a Markup You Can't See. Mollie charges one of the highest blended rates in Europe at 1.80% + €0.25 per transaction. That means you're paying the same whether the card costs 0.20% or 1.50% at interchange. Cost+ gives you the real wholesale rate. Get Your Free Rate Comparison HIGH-RISK FRIENDLY ## Mollie Won't Take You. We Will. explicitly does not support 'high-risk' merchants. If you operate in nutraceuticals, CBD, gaming or other specialized verticals, you won't even get past their application was built for these industries. Our ISO status and direct banking relationships mean we can provide stable, long-term merchant accounts where Mollie simply says 'No.' For Startups For Scale WHY COST+ ## Every Cent Counts When You're Growing. ## The Biggest Savings Opportunity in European Payments. At 1.80% + €0.25, Mollie takes a significant bite out of every transaction. On a €50 order, that's €1.15. Cost+ takes roughly €0.40 of every transaction on an EU debit card. And unlike Mollie, we don't reserve IC++ pricing for merchants doing €100K+/month. Everyone gets wholesale rates from day one. 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. Mollie hides all of this inside a blended 1.80% — and won't give you IC++ unless you process over €100K/month. Mollie's 1.80% rate is the highest among major European PSPs. If you're processing €1M/year, you're paying ~€20,500 in fees. With Cost+ IC++ pricing on a typical EU card mix, total fees drop to under €10,000. That's not a marginal improvement — it's transformational. Through direct acquirer partnerships, we pass through interchange at cost with zero hidden markups. Every Cost+ transaction is itemized: Interchange + Card Scheme Fee + 0.50% margin + €0.15 auth fee. One transparent authorization fee per transaction — no blended opacity. FEE COMPARISON ## Mollie vs. Cost+ Side by Side Rates, IC++ access, high-risk support, and total cost per transaction across both providers. Features EEA Card Rate Interchange + Scheme Fee + 0.50% + €0.15 Auth fee 1.80% + €0.25 (Blended) Commercial Cards 2.90% + €0.25 (Blended) Monthly Fee €0.00 IC++ Available? Everyone (From day one) Only > €100K/month Refund Fee €0.25 No refund fee (But original fee kept) High-Risk Support Specialized / High Acceptance Not supported 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. Contact Sales 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.” 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. MOLLIE ## Frequently Asked Questions Blended vs. IC++ rates, commercial card fees, high-risk access, and refund costs compared. How does Cost+ pricing compare to Mollie's 1.80% blended rate? Mollie charges 1.80% + EUR 0.25 for EEA cards — one of the highest blended rates among major European PSPs. On a EUR 50 order, Mollie costs approximately EUR 1.15 while Cost+ costs around EUR 0.40 on an EU debit card. At EUR 1 million annual volume, Mollie costs roughly EUR 20,500 versus under EUR 10,000 with Cost+. Does Mollie offer IC++ pricing to all merchants? No. Mollie restricts IC++ pricing to merchants processing over EUR 100,000 per month. Smaller merchants are stuck with the 1.80% blended rate. Cost+ provides IC++ pricing to every merchant from day one, regardless of transaction volume. Can high-risk merchants use Mollie? No. Mollie explicitly does not support high-risk merchants. Businesses in CBD, gaming, forex, vape, and similar industries will be declined. Cost+ specializes in these verticals with dedicated Merchant IDs and IC++ pricing without high-risk surcharges. What does Mollie charge for commercial cards? Mollie charges 2.90% + EUR 0.25 for commercial and corporate cards. Cost+ applies the same IC++ formula to all card types — interchange + scheme fees + 0.50% margin + EUR 0.15 — so the actual cost reflects the true interchange rate rather than a heavily marked-up blended percentage. How do refund fees compare between Mollie and Cost+? Mollie does not charge a separate refund fee but keeps the original processing fee on refunded transactions. Cost+ charges a flat EUR 0.25 refund fee (bank cost only) and waives our percentage markup on refunds, which can be more cost-effective for merchants with higher refund rates. Stop Guessing ## Still Got Questions? We’ve Got Answers Contact our sales team for setting up your Cost+ account and receive your first payments --- ### Compare PensoPay https://costplus.io/alternatives/pensopay-alternative _PensoPay layers three costs on top of each other: a monthly subscription, a per - transaction gateway fee, and separate acquirer rates. Cost+ replaces all..._ 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. Get Your Free Rate Comparison 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. ## 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. Contact Sales 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. Stop Guessing ## Still Got Questions? We’ve Got Answers Contact our sales team for setting up your Cost+ account and receive your first payments --- ### Compare QuickPay https://costplus.io/alternatives/quickpay-alternative _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..._ 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. Get Your Free Rate Comparison 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. ## 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 Chargeback Fee €30.00 €35.00 High-Risk Support Specialized / High Acceptance Limited Pay-as-you-go 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. Contact Sales 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. Stop Guessing ## Still Got Questions? We’ve Got Answers Contact our sales team for setting up your Cost+ account and receive your first payments --- ### Compare Stripe https://costplus.io/alternatives/stripe-alternative _Stripe's flat 1.5% + €0.25 blended rate treats every card the same — whether it costs 0.20% at interchange or 1.50%. Cost+ passes through the real..._ Stripe Alternative # Your EU Debit Cards Don't Cost 1.5%. Why Are You Paying That? Stripe's flat 1.5% + €0.25 blended rate treats every card the same — whether it costs 0.20% at interchange or 1.50%. Cost+ passes through the real interchange rate, so you keep the difference. Get Your Free Rate Comparison HIGH-RISK FRIENDLY ## Stripe Says No. We Say Yes. is notorious for sudden account freezes and fund holds in industries they deem 'high-risk' — often without warning. As a licensed ISO/TSP, has direct banking relationships that let us onboard and support merchants in CBD, nutraceuticals, gaming SaaS trials, and other specialized verticals with stable, long-term processing For Startups For Scale WHY COST+ ## Simple Doesn't Mean Cheap. ## At Scale, Blended Rates Bleed Your Margins. Stripe's appeal is simplicity: one rate for everything. But that simplicity comes at a cost. An EU consumer debit card has an interchange of ~0.20%, yet Stripe charges you 1.5% + €0.25. That's a 7x markup on the actual cost. With Cost+, you pay the real interchange plus our small 0.50% + €0.15 margin. Simple math, real savings. 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. Stripe has no visible authorization fee — because it's buried inside their blended rate. We show you every component. Processing €500K/year through Stripe? You're paying ~€12,500 in fees. With Cost+ IC++ pricing, the same volume on mostly EU debit cards could cost you under €6,000. That's €6,500 back in your pocket — every year. Through direct acquirer partnerships, we pass through wholesale rates — no reseller markup. Every Cost+ transaction is itemized: Interchange + Card Scheme Fee + 0.50% margin + €0.15 auth fee. No blended opacity. No hidden margins. Just the real cost. FEE COMPARISON ## Stripe vs. Cost+ Side by Side EEA, commercial, and UK card rates, pricing transparency, and high-risk support compared. Features EEA Card Rate Interchange + Scheme Fee + 0.50% + €0.15 auth fee 1.5% + €0.25 (blended) Premium / Commercial Cards 1.9% + €0.25 (blended) UK Cards Intercharge + Scheme + 0.50% Margin + €0.15 Auth fee 2.5% + €0.25 (blended) Monthly Fee €0.00 Pricing Transparency IC++ (full itemized breakdown) Blended (opaque) Refund Fee €0.25 €0.25 (original fee not returned) High-Risk Support Specialized / High Acceptance Limited / Account freezes 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. Contact Sales Leon Marti Jul 29, 2025 “The team was exceptionally fast and responsive, even outside of regular office hours. The onboarding process went smoothly.” 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. STRIPE ## Frequently Asked Questions EU rates, account freezes, pricing transparency, and premium card fees compared. How much cheaper is Cost+ compared to Stripe for EU transactions? Stripe charges a flat 1.5% + EUR 0.25 for EEA cards, even though EU debit interchange is only about 0.20%. Cost+ passes through the actual interchange at cost plus a 0.50% margin and EUR 0.15 auth fee. On EUR 500,000 annual volume, Cost+ estimates savings of approximately EUR 6,500 per year versus Stripe. Does Stripe freeze accounts for high-risk businesses? Stripe is known for sudden account freezes and fund holds, particularly for merchants in high-risk categories like CBD, nutraceuticals, gaming, and SaaS with free trials. Cost+, as a licensed ISO/TSP, specifically supports these industries with dedicated Merchant IDs and stable processing, without the risk of surprise account terminations. Why is IC++ pricing more transparent than Stripe's blended rate? Stripe uses a blended rate (1.5% + EUR 0.25 for EEA) that treats every card type the same, hiding the actual interchange cost. Cost+ IC++ pricing itemizes each component — interchange, scheme fee, and margin — on every transaction, so merchants can verify exactly what the card networks charge versus what the processor keeps. What does Stripe charge for premium and UK cards? Stripe charges 1.9% + EUR 0.25 for premium and commercial EEA cards, and 2.5% + EUR 0.25 for UK cards. Cost+ applies the same IC++ formula regardless — interchange + scheme + 0.50% + EUR 0.15 — so the actual cost varies by card type but the margin stays flat and transparent. Is Cost+ a good Stripe alternative for European merchants? Yes. Cost+ is specifically designed for European merchants who want transparent pricing. Because EU debit interchange is regulated at low rates (around 0.20%), Stripe's 1.5% blended rate represents a significant markup. Cost+ passes through these low rates at cost, resulting in substantially lower total fees for most EU card transactions. Stop Guessing ## Still Got Questions? We’ve Got Answers Contact our sales team for setting up your Cost+ account and receive your first payments --- ### Compare Viva Wallet https://costplus.io/alternatives/viva-wallet-alternative _Viva Wallet charges 2.19% + €0.18 for online EEA transactions — one of the highest rates in Europe. They also charge for 3D Secure and keep your fees on..._ Viva Wallet Alternative # 2.19% Online? That's Not Interchange-Plus. That's Interchange-Plus-Profit. Viva Wallet charges 2.19% + €0.18 for online EEA transactions — one of the highest rates in Europe. They also charge for 3D Secure and keep your fees on refunds. Cost+ gives you true wholesale IC++ pricing with no hidden extras. Get Your Free Rate Comparison HIGH-RISK FRIENDLY ## Viva's Risk Appetite Is Small. Ours Isn't. has a very narrow risk appetite and frequently declines merchants in specialized verticals. As a licensed ISO/TSP, has direct acquiring relationships that allow us to support CBD, nutraceuticals, gaming subscription services, and other industries that simply won't touch. Stable processing, no surprises. For Startups For Scale WHY COST+ ## Hidden Fees Add Up Fast. ## At Volume, Viva's 'Dynamic Pricing' Costs You More. Viva Wallet's pricing looks competitive until you read the fine print. On top of their 2.19% + €0.18 online rate, they charge €0.03 per 3D Secure authentication — a mandatory step for European e-commerce. Your total cost per transaction with Cost+ = Interchange (set by Visa/Mastercard) + Card Scheme Fee + our 0.50% margin + €0.15 authorization fee. Our auth fee already includes 3DS authentication. And if a customer requests a refund? Viva keeps your original processing fees and charges an additional €0.30. With Cost+, 3DS is included, and refund fees are a flat €0.25. Viva Wallet markets 'dynamic pricing' as a feature, but at 2.19% online, there's nothing dynamic about overpaying. On €500K in annual online volume, you'd pay ~€11,450 with Viva. With Cost+ IC++ pricing on a typical EU card mix, total fees dropto under €5,500. Through direct acquirer partnerships, we don't add hidden layers — just transparent interchange passthrough. Every Cost+ transaction is itemized: Interchange + Card Scheme Fee + 0.50% margin + €0.15 auth fee. 3DS included. No surprise per-authentication charges. FEE COMPARISON ## Viva Wallet vs. Cost+ Side by Side EEA rates, 3D Secure costs, refund fees, and pricing transparency side by side. Features Online EEA Rate Interchange + Scheme Fee + 0.50% + €0.15 auth fee 2.19% + €0.18 (blended) 3D Secure Fee Included in auth fee €0.03 / authentication (extra) Refund Cost €0.25 flat Original fees kept + €0.30 Monthly Fee €0.00 Pricing Transparency IC++ (full itemized breakdown) Blended / 'Dynamic' High-Risk Support Specialized / High Acceptance Very 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. Contact Sales 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.” 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. VIVA WALLET ## Frequently Asked Questions Transaction fees, 3D Secure charges, refund policies, and high-risk acceptance compared. What does Viva Wallet charge for online transactions? Viva Wallet charges 2.19% + EUR 0.18 for online EEA transactions — one of the highest rates in Europe. On top of that, Viva adds a EUR 0.03 per 3D Secure authentication fee. Cost+ includes 3DS in its EUR 0.15 auth fee with no additional charge. How much can I save switching from Viva Wallet to Cost+? On EUR 500,000 annual online volume, Viva Wallet costs approximately EUR 11,450 in processing fees, while Cost+ costs under EUR 5,500 — a saving of roughly EUR 6,000 per year, or about 52% less. Does Viva Wallet charge extra for 3D Secure authentication? Yes. Viva Wallet charges EUR 0.03 per 3D Secure authentication on top of their blended transaction rate. Since 3DS is mandatory for most EU e-commerce transactions under PSD2, this hidden fee adds up quickly. Cost+ includes 3DS authentication at no extra cost within its EUR 0.15 authorization fee. What is Viva Wallet's refund policy compared to Cost+? Viva Wallet keeps the original processing fees on refunded transactions and adds an extra EUR 0.30 refund fee. Cost+ charges a flat EUR 0.25 refund fee (bank cost only) and waives our percentage markup on refunds, making Cost+ significantly cheaper for merchants handling frequent refunds. Does Viva Wallet accept high-risk merchants? Viva Wallet has a very narrow risk appetite and generally does not support specialized verticals. Cost+, as a licensed ISO/TSP with direct banking relationships, provides dedicated MIDs for high-risk industries including CBD, iGaming, forex, and SaaS. Stop Guessing ## Still Got Questions? We’ve Got Answers Contact our sales team for setting up your Cost+ account and receive your first payments --- ### Frisbii Alternative https://costplus.io/alternatives/frisbii-alternative _Frisbii charges €19/month just for gateway access, plus €0.08 per transaction — and you still need a separate acquirer agreement on top. Cost+ is an all -..._ Frisbii Alternative # A €19/Month Gateway Fee Is Not 'Smart Payments.' It's a Tax on Your Revenue. Frisbii charges €19/month just for gateway access, plus €0.08 per transaction — and you still need a separate acquirer agreement on top. Cost+ is an all-in-one solution: gateway, acquirer, and IC++ pricing in a single contract with zero monthly fees. Get Your Free Rate Comparison HIGH-RISK FRIENDLY ## Gateway-Only Providers Can't Protect Your MID. connects you to third-party acquirers — they don't control acquiring relationship. If your acquirer decides your industry is too risky can't help. is a licensed ISO/TSP with direct banking partnerships. We control the entire payment chain, which means we can onboard and protect merchants in CBD, nutraceuticals, gaming and other specialized sectors. For Startups For Scale WHY COST+ ## €19/Month Before You Process a Single Payment. ## Why Pay for a Gateway and an Acquirer Separately? Frisbii's gateway-only model means you pay €19/month + €0.08/transaction before your acquirer even takes their cut. For a small merchant doing 500 transactions/month, that's €508/year just in gateway fees. With Cost+, there are no gateway fees, no monthly subscriptions, and no separate acquirer to negotiate with. Everything is included in one 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. Frisbii's €0.08/tx gateway fee is effectively their auth fee — but you still need a separate acquirer on top. Our single €0.15 auth fee covers it all: gateway, acquiring, and processing. Frisbii is a gateway — not an acquirer. That means you need two contracts, two relationships, and two sets of fees stacking on top of each other. Cost+ eliminates this complexity. Through our direct acquirer partnerships, we bundle gateway and acquiring into one contract. One fee structure, one point of contact. At scale, this simplification saves you both money and operational overhead. Every Cost+ transaction is itemized: Interchange + Card Scheme Fee + 0.50% margin + €0.15 auth fee. No separate gateway fee. No separate acquirer fee. One authorization fee that includes everything. FEE COMPARISON ## Frisbii vs. Cost+ Side by Side Monthly fees, acquirer setup, fixed costs, and bundled vs. two-contract pricing compared. Features Monthly Subscription €0.00 €19 / Month Gateway / Authorization Fee €0.00 — no separate gateway or auth fee €0.08 / tx (gateway only — acquirer separate) Acquirer Bundled — no separate acquirer agreement needed Separate agreement required Pricing Model Interchange + Scheme + Margin + Auth Fee (all-in-one) Gateway + Acquirer (two contracts) High-Risk Support Specialized / High Acceptance Limited Fixed Costs Pay-as-you-go Yes (€19/mo + acquirer fees) 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. Contact Sales POD PLUG Nov 19, 2025 “Our payments run flawlessly, support is instant, and we feel genuinely valued as a partner, not just a merchant.” 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. FRISBII ## Frequently Asked Questions Gateway vs. full processor, annual costs, subscription fees, and high-risk support compared. Is Frisbii a payment gateway or a full payment processor? Frisbii is a gateway-only provider — it routes transactions but does not acquire them. Merchants need a separate acquiring agreement with a bank. Cost+ is an all-in-one provider that bundles gateway, acquiring, and processing into a single contract, eliminating the need for multiple payment partners. How much does Frisbii cost per year for a small merchant? Frisbii charges EUR 19/month subscription plus EUR 0.08 per transaction as a gateway fee. For a merchant processing 500 transactions per month, that totals EUR 508 per year in gateway fees alone — before any acquirer costs. Cost+ has zero monthly fees and zero gateway fees. Why is a gateway-only provider risky for merchants? Gateway-only providers like Frisbii cannot protect your Merchant ID (MID) if the third-party acquirer decides your industry is too risky. Cost+ controls the full payment chain as a licensed ISO/TSP, providing more stability and merchant protection since there is no separate acquirer that can independently terminate your account. Does Cost+ have a monthly subscription like Frisbii? No. Frisbii charges EUR 19/month as a gateway subscription. Cost+ has zero monthly fees — merchants only pay per transaction (interchange + scheme + 0.50% + EUR 0.15 auth fee). This makes Cost+ more cost-effective especially for merchants with lower or variable transaction volumes. Can Frisbii handle high-risk merchants? Frisbii has limited support for high-risk industries. Because Frisbii is gateway-only, high-risk merchants also face the challenge of finding a separate acquirer willing to accept their business. Cost+ handles both gateway and acquiring, specializing in high-risk verticals like CBD, gaming, and forex with dedicated MIDs. Stop Guessing ## Still Got Questions? We’ve Got Answers Contact our sales team for setting up your Cost+ account and receive your first payments --- ### Acceptable Use Policy https://costplus.io/acceptable-use _Cost+ Acceptable Use Policy — prohibited activities and the rules governing use of Cost+ services and AI products._ # Acceptable Use Policy Last updated May 29, 2026 This Acceptable Use Policy ('Policy') is part of our Terms of Service ('Legal Terms') and should therefore be read alongside our main Legal Terms: https://costplus.io/terms-of-service. When you use the AI-powered services provided by Costplus OÜ ('AI Products'), you warrant that you will comply with this document, our Legal Terms and all applicable laws and regulations governing AI. Your usage of our AI Products signifies your agreement to engage with our platform in a lawful, ethical, and responsible manner that respects the rights and dignity of all individuals. If you do not agree with these Legal Terms, please refrain from using our Services. Your continued use of our Services implies acceptance of these Legal Terms. Please carefully review this Policy which applies to any and all: (a) uses of our Services (as defined in 'Legal Terms') (b) forms, materials, consent tools, comments, post, and all other content available on the Services ('Content') (d) responsible implementation and management of AI Products within our Services ## WHO WE ARE We are Costplus OÜ, doing business as Cost+, Cost+ Payments, Cost+ (formerly NoPayn) and NoPayn ('Company','we', 'us', or 'our') a company registered in Estonia at Pärnu mnt 139b, Tallinn 11317. We operate the website http://costplus.io (the 'Site'), as well as any other related products and services that refer or link to this Policy (collectively, the 'Services'). ## USE OF THE SERVICES When you use the Services, you warrant that you will comply with this Policy and with all applicable laws. You also acknowledge that you may not: - Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us. - Make any unauthorised use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretences. - Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein. - Engage in unauthorised framing of or linking to the Services. - Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords. - Make improper use of our Services, including our support services or submit false reports of abuse or misconduct. - Engage in any automated use of the Services, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools. - Interfere with, disrupt, or create an undue burden on the Services or the networks or the Services connected. - Attempt to impersonate another user or person or use the username of another user. - Use any information obtained from the Services in order to harass, abuse, or harm another person. - Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavour or commercial enterprise. - Decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services, except as expressly permitted by applicable law. - Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services. - Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you. - Delete the copyright or other proprietary rights notice from any Content. - Copy or adapt the Services’ software, including but not limited to Flash, PHP, HTML, JavaScript, or other code. - Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services. - Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ('gifs'), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as 'spyware' or 'passive collection mechanisms' or 'pcms'). - Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or using or launching any unauthorised script or other software. - Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services. - Use the Services in a manner inconsistent with any applicable laws or regulations. Subscriptions If you subscribe to our Services, you understand, acknowledge, and agree that you may not, except if expressly permitted: - Engage in any use, including modification, copying, redistribution, publication, display, performance, or retransmission, of any portions of any Services, other than as expressly permitted by this Policy, without the prior written consent of Costplus OÜ, which consent Costplus OÜ may grant or refuse in its sole and absolute discretion. - Reconstruct or attempt to discover any source code or algorithms of the Services, or any portion thereof, by any means whatsoever. - Provide, or otherwise make available, the Services to any third party. - Intercept any data not intended for you. - Damage, reveal, or alter any user's data, or any other hardware, software, or information relating to another person or entity. - Violate any law, statute, ordinance, or regulation.. - Sell, distribute, or promote pornography or sexually explicit materials, including any non-consensual content such as child exploitation, rape, or bestiality.. - Offer escort services, sexual services, or unmoderated streaming or uploading of explicit content.. - Operate or promote gentlemen’s clubs, erotic dancing, or strip clubs.. - Sell or distribute narcotics, steroids, drug paraphernalia, or other controlled substances.. - Offer or traffic in stolen goods, poisons, unregulated medical devices, or hazardous materials.. - Engage in wildlife trafficking or the sale of human body parts.. - Promote or incite hatred, abuse, racism, religious persecution, terrorism, or violence.. - Sell counterfeit goods or engage in intellectual property infringement, including unauthorized use of brand names, logos, or copyrighted materials.. - Sell or use devices designed to bypass copyright protection or digital encryption.. - Offer unlicensed financial services, loan modification, credit repair, or debt collection services considered high-risk.. - Participate in pyramid schemes, Ponzi schemes, “get-rich-quick” programs, or high-risk investment offerings.. - Operate unlicensed gambling, betting, or gaming activities, including illegal lotteries, sweepstakes, or games of chance.. - Engage in deceptive, misleading, or fraudulent marketing practices.. - Facilitate bribery, corruption, or exploitation of any kind.. - Use shell companies, bearer shares, or otherwise obscure the origin of funds.. AI Products When you use the AI Products provided by Costplus OÜ, you warrant that you will not: - Deploy AI techniques that utilise subliminal, manipulative, or deceptive methods designed to distort behaviour and impair informed decision-making, particularly when such actions cause significant harm to individuals. - Exploit vulnerabilities related to age, disability, or socio-economic circumstances through AI in a way that distorts behaviour or decision-making, especially if this results in significant harm to the individual. - Use AI systems for biometric categorization that infer sensitive attributes such as race, political opinions, trade union membership, religious or philosophical beliefs, sex life, or sexual orientation, except in limited cases, such as labelling or filtering lawfully acquired datasets, or specific law enforcement activities. - Implement AI-based social scoring systems that evaluate or classify individuals or groups based on their social behaviour or personal traits in a manner that causes harm, discrimination, or unfair treatment. - Assess the risk of an individual committing criminal offenses based solely on profiling, personality traits, or other non-behavioural factors, except in narrowly defined circumstances where legal safeguards are in place. - Not compile facial recognition databases through untargeted scraping of facial images from the internet, social media, or CCTV footage, unless it is part of a legally compliant and narrowly defined purpose. - Use AI to infer emotions in sensitive environments such as workplaces, educational institutions, or any other context where such analysis could lead to discrimination, unfair treatment, or privacy violations. - Engage in real-time remote biometric identification in public places for law enforcement purposes, except in specific situations where there are strong legal justifications and oversight mechanisms. ## ARTIFICIAL INTELLIGENCE We recognise the significant impact AI can have on our users and society, and we are dedicated to ensuring that our AI Products are designed and operated in a manner that aligns with comprehensive ethical standards. We aim to use AI to enhance user experiences while upholding fairness, transparency, and accountability principles. This Policy applies to all AI-powered features, services, and systems in our Services. It governs the development, deployment, and use of AI technologies to protect users' rights and maintain transparency in all AI operations. This Policy applies to all stakeholders, including employees, third-party vendors, and partners who contribute to or interact with our AI Products. Enforcement Any misuse of our AI Products or failure to adhere to the standards outlined in this Policy will result in appropriate actions to ensure the integrity of our platform and the protection of our users. The specific consequences for misuse of AI may vary depending on the nature and severity of the violation and the user's history with our Services. Violations may include, but are not limited to: - Engaging the AI Products in ways that violate user privacy, manipulate data, disregard ethical guidelines, or are against AI Service Providers’ terms of use. - Deploying AI in a manner that introduces or causes bias, leading to unfair treatment of users or groups. - Improper handling, storage, or use of data by AI Products, leading to breaches of user trust and legal compliance. - Using AI in a way that compromises the privacy and security of our systems, data, or users. Depending on the violation, Costplus OÜ may take one or more of the following actions: - Warnings: The responsible party may receive a formal warning and be required to cease violating practices. - Temporary Suspension: In cases of repeated or more severe violations, the responsible individual's access to AI Products or certain features of our platform may be temporarily suspended while the issue is investigated. - Termination of Access: Serious violations, particularly those that result in harm to users or breach privacy or other regulations, may lead to the permanent termination of access to our AI Products and Services. - Legal Action: In cases where the misuse of AI leads to significant harm, data breaches, or legal violations, we may pursue legal action against the party responsible. This could include reporting the incident to law enforcement or regulatory bodies. - Public Disclosure: For incidents that impact public trust or involve severe ethical breaches, we reserve the right to publicly disclose the violation and the actions taken in response to maintain transparency and accountability. Commitment to Responsible AI In addition to the consequences outlined above, we are deeply committed to repairing any harm caused by the misuse of AI. This commitment is a testament to our dedication to our users and our responsibility as a company. We will correct biased outcomes and implement additional safeguards to prevent future violations. At Costplus OÜ, we are committed to the ongoing refinement and enhancement of our Policy. As technology evolves and regulatory environments shift, we recognise the importance of keeping our policies up to date to ensure that they remain relevant, effective, and aligned with best practices in AI ethics. We will regularly review and update our Policy to reflect technological advancements and legal changes in local, national, and international regulations related to AI. Our Policy will be updated as needed to comply with new laws and guidelines, ensuring that our practices remain legally sound and socially responsible. ## CONSEQUENCES OF BREACHING THIS POLICY The consequences for violating our Policy will vary depending on the severity of the breach and the user's history on the Services, by way of example: We may, in some cases, give you a warning, however, if your breach is serious or if you continue to breach our Legal Terms and this Policy, we have the right to suspend or terminate your access to and use of our Services and, if applicable, disable your account. We may also notify law enforcement or issue legal proceedings against you when we believe that there is a genuine risk to an individual or a threat to public safety. We exclude our liability for all action we may take in response to any of your breaches of this Policy. ## HOW CAN YOU CONTACT US ABOUT THIS POLICY? If you have any further questions or comments, you may contact us by: Phone: +443308224738 Email: support@costplus.io Online contact form: https://costplus.io/contact-us --- ### Cookie Policy https://costplus.io/cookie-policy _Cookie Policy — transparent payment pricing, integrations, and merchant support from Cost+._ # Cookie Policy Last updated April 07, 2026 This Cookie Policy explains how Costplus OÜ ("Company," "we," "us," and "our") uses cookies and similar technologies to recognize you when you visit our website at http://costplus.io ("Website"). It explains what these technologies are and why we use them, as well as your rights to control our use of them. In some cases we may use cookies to collect personal information, or that becomes personal information if we combine it with other information. ## What are cookies? Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website owners in order to make their websites work, or to work more efficiently, as well as to provide reporting information. Cookies set by the website owner (in this case, Costplus OÜ) are called "first-party cookies." Cookies set by parties other than the website owner are called "third-party cookies." Third-party cookies enable third-party features or functionality to be provided on or through the website (e.g., advertising, interactive content, and analytics). The parties that set these third-party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites. ## Why do we use cookies? We use first- and third-party cookies for several reasons. Some cookies are required for technical reasons in order for our Website to operate, and we refer to these as "essential" or "strictly necessary" cookies. Other cookies also enable us to track and target the interests of our users to enhance the experience on our Online Properties. Third parties serve cookies through our Website for advertising, analytics, and other purposes. This is described in more detail below. ## How can I control cookies? You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by setting your preferences in the Cookie Preference Center. The Cookie Preference Center allows you to select which categories of cookies you accept or reject. Essential cookies cannot be rejected as they are strictly necessary to provide you with services. The Cookie Preference Center can be found in the notification banner and on our Website. If you choose to reject cookies, you may still use our Website though your access to some functionality and areas of our Website may be restricted. You may also set or amend your web browser controls to accept or refuse cookies. The specific types of first- and third-party cookies served through our Website and the purposes they perform are described in the table below (please note that the specific cookies served may vary depending on the specific Online Properties you visit): ### Essential website cookies: These cookies are strictly necessary to provide you with services available through our Website and to use some of its features, such as access to secure areas. | Name: | TERMLY_API_CACHE | |---|---| | Purpose: | Used to store visitor’s consent result in order to improve performance of the consent banner. | | Provider: | costplus.io | | Service: | Termly View Service Privacy Policy | | Type: | html_local_storage | | Expires in: | 1 year | | Name: | csrf_token | |---|---| | Purpose: | Protects against hacking and malicious actors. | | Provider: | costplus.io | | Service: | Django View Service Privacy Policy | | Type: | http_cookie | | Expires in: | 29 days | | Name: | __cf_bm | |---|---| | Purpose: | Cloudflare places the cookie on end-user devices that access customer sites protected by Bot Management or Bot Fight Mode. | | Provider: | .costplus.io | | Service: | CloudFlare View Service Privacy Policy | | Type: | server_cookie | | Expires in: | 30 minutes | ### Performance and functionality cookies: These cookies are used to enhance the performance and functionality of our Website but are non-essential to their use. However, without these cookies, certain functionality (like videos) may become unavailable. | Name: | language | |---|---| | Purpose: | Is a persistent cookie used to store user language preferences. The storage expires at the closure of the website. | | Provider: | nopayn.app.herodesk.io | | Service: | Adobe.com View Service Privacy Policy | | Type: | server_cookie | | Expires in: | 11 months 30 days | | Name: | _cfuvid | |---|---| | Purpose: | This cookie is set by Cloudflare to enhance security and performance. It helps identify trusted web traffic and ensures a secure browsing experience for users. | | Provider: | .app.termly.io | | Service: | Cloudflare View Service Privacy Policy | | Type: | server_cookie | | Expires in: | Session | | Name: | language | |---|---| | Purpose: | Is a persistent cookie used to store user language preferences. The storage expires at the closure of the website. | | Provider: | app.herodesk.io | | Service: | Adobe.com View Service Privacy Policy | | Type: | server_cookie | | Expires in: | 11 months 30 days | ### Unclassified cookies: These are cookies that have not yet been categorized. We are in the process of classifying these cookies with the help of their providers. | Name: | wglang | |---|---| | Provider: | app.termly.io | | Type: | html_local_storage | | Expires in: | Persistent | ## How can I control cookies on my browser? As the means by which you can refuse cookies through your web browser controls vary from browser to browser, you should visit your browser's help menu for more information. The following is information about how to manage cookies on the most popular browsers: - Chrome - Internet Explorer - Firefox - Safari - Edge - Opera In addition, most advertising networks offer you a way to opt out of targeted advertising. If you would like to find out more information, please visit: - Digital Advertising Alliance - Digital Advertising Alliance of Canada - European Interactive Digital Advertising Alliance ## What about other tracking technologies, like web beacons? Cookies are not the only way to recognize or track visitors to a website. We may use other, similar technologies from time to time, like web beacons (sometimes called "tracking pixels" or "clear gifs"). These are tiny graphics files that contain a unique identifier that enables us to recognize when someone has visited our Website or opened an email including them. This allows us, for example, to monitor the traffic patterns of users from one page within a website to another, to deliver or communicate with cookies, to understand whether you have come to the website from an online advertisement displayed on a third-party website, to improve site performance, and to measure the success of email marketing campaigns. In many instances, these technologies are reliant on cookies to function properly, and so declining cookies will impair their functioning. ## Do you use Flash cookies or Local Shared Objects? Websites may also use so-called "Flash Cookies" (also known as Local Shared Objects or "LSOs") to, among other things, collect and store information about your use of our services, fraud prevention, and for other site operations. If you do not want Flash Cookies stored on your computer, you can adjust the settings of your Flash player to block Flash Cookies storage using the tools contained in the Website Storage Settings Panel. You can also control Flash Cookies by going to the Global Storage Settings Panel and following the instructions (which may include instructions that explain, for example, how to delete existing Flash Cookies (referred to "information" on the Macromedia site), how to prevent Flash LSOs from being placed on your computer without your being asked, and (for Flash Player 8 and later) how to block Flash Cookies that are not being delivered by the operator of the page you are on at the time). Please note that setting the Flash Player to restrict or limit acceptance of Flash Cookies may reduce or impede the functionality of some Flash applications, including, potentially, Flash applications used in connection with our services or online content. ## Do you serve targeted advertising? Third parties may serve cookies on your computer or mobile device to serve advertising through our Website. These companies may use information about your visits to this and other websites in order to provide relevant advertisements about goods and services that you may be interested in. They may also employ technology that is used to measure the effectiveness of advertisements. They can accomplish this by using cookies or web beacons to collect information about your visits to this and other sites in order to provide relevant advertisements about goods and services of potential interest to you. The information collected through this process does not enable us or them to identify your name, contact details, or other details that directly identify you unless you choose to provide these. ## How often will you update this Cookie Policy? We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal, or regulatory reasons. Please therefore revisit this Cookie Policy regularly to stay informed about our use of cookies and related technologies. The date at the top of this Cookie Policy indicates when it was last updated. ## Where can I get further information? If you have any questions about our use of cookies or other technologies, please email us at support@costplus.io or by post to: Costplus OÜ Pärnu mnt. 139b Tallinn, Harju maakond 11317 Estonia Phone: (+44)330 822 4738 --- ### Cost+ Checkout — Data Processing Agreement https://costplus.io/dpa _Data Processing Agreement (GDPR Art. 28) between Costplus OÜ and Shopify merchants using Cost+ Checkout._ # Data Processing Agreement (DPA) Last updated: 29 May 2026 ## 1. Parties This Data Processing Agreement ("DPA") is entered into between: - Costplus OÜ, a company registered in Estonia, with its registered office at Pärnu mnt 139b, 11317 Tallinn, Estonia, company registration number 16936614 ("Processor", "we", "us", or "Cost+"); and - the merchant that has installed the Cost+ Checkout Shopify application, or otherwise integrated with the Cost+ Checkout service, by agreeing to our Terms of Service at https://costplus.io/shopify-app-terms.html ("Controller", "Merchant", or "you"), each a "Party" and together the "Parties". This DPA forms part of, and is subject to, the Terms of Service between the Parties. In case of any conflict between this DPA and the Terms of Service with respect to the processing of Personal Data, this DPA prevails. ## 2. Definitions Unless otherwise defined, capitalised terms have the meanings given to them in Regulation (EU) 2016/679 (the "GDPR"). For convenience: - "Personal Data" has the meaning in Article 4(1) GDPR. - "Processing" has the meaning in Article 4(2) GDPR. - "Data Subject" means a Shopify customer or end-user whose Personal Data is processed under this DPA. - "Sub-processor" means any third party engaged by the Processor to process Personal Data on behalf of the Controller. - "Services" means the Cost+ Checkout service (the Shopify app, associated APIs, and hosted checkout pages) provided by the Processor to the Controller under the Terms of Service. ## 3. Subject matter, nature, purpose, and duration of processing ### 3.1 Subject matter The Processor processes Personal Data about the Controller's customers in order to provide the Services. Cost+ Checkout is a funnel-orchestration tool that routes shoppers arriving from Merchant-controlled entry points (for example, email campaigns, landing pages, social advertisements, or direct Shopify storefront links) through a single consistent checkout experience and creates the corresponding order in the Merchant's Shopify store after payment. ### 3.2 Nature and purpose of processing The Processor processes Personal Data for the following purposes: - Collecting buyer contact and shipping information during checkout; - Calculating applicable taxes and shipping rates through Shopify's own tax and shipping calculation services; - Creating the corresponding Shopify order after the buyer completes payment; - Processing payments through Cost+'s payment infrastructure or the Merchant's configured payment provider; - Reflecting refunds, cancellations, and fulfilment events initiated by the Merchant in their Shopify admin back into the Merchant's Cost+ Checkout configuration; - Responding to data-subject requests forwarded by Shopify via the standard GDPR webhooks (customers/data_request, customers/redact, shop/redact); - Providing merchant-facing analytics derived from aggregated and pseudonymised session data. ### 3.3 Duration The Processor processes Personal Data for the duration of the Services, and retains such data for the periods set out in Section 9 below. ## 4. Types of Personal Data and categories of Data Subjects ### 4.1 Types of Personal Data - First and last name; - Email address; - Phone number (when provided); - Shipping address (street, city, postal code, country, optional address line 2, province/state); - Billing address (same fields); - Order details, including line items, product identifiers, quantities, prices, applied discount codes, order total, currency, and fulfilment status; - Payment-related metadata (payment method token or reference, authorization and capture identifiers) — note that full primary account numbers (PAN) never enter the Processor's systems; they are tokenised by Cost+'s PCI-DSS-compliant payment infrastructure or the Merchant's configured payment provider. ### 4.2 Categories of Data Subjects - The Controller's customers (buyers) who complete checkout via Cost+ Checkout. ## 5. Obligations of the Processor The Processor shall: ### 5.1 Documented instructions Process Personal Data only on the documented instructions of the Controller, including with regard to transfers of Personal Data to a third country or an international organisation, unless required to do so by Union or Member State law to which the Processor is subject. In such a case, the Processor shall inform the Controller of that legal requirement before processing, unless that law prohibits such information on important grounds of public interest. The Parties agree that the Terms of Service, this DPA, and the Controller's use of the Services through standard configuration options constitute documented instructions within the meaning of Article 28(3)(a) GDPR. ### 5.2 Confidentiality Ensure that persons authorised to process the Personal Data have committed themselves to confidentiality or are under an appropriate statutory obligation of confidentiality. ### 5.3 Security measures Implement appropriate technical and organisational measures to ensure a level of security appropriate to the risk, as required by Article 32 GDPR. A summary of these measures is set out in Annex 1. The Controller acknowledges that Annex 1 may be updated from time to time to reflect improvements in the Processor's security posture, and that any such update will not result in a material reduction of the level of security. ### 5.4 Sub-processors Engage Sub-processors only under the terms of Section 7 below. ### 5.5 Assistance with Data Subject rights Taking into account the nature of the processing, assist the Controller by appropriate technical and organisational measures, insofar as possible, for the fulfilment of the Controller's obligation to respond to requests for exercising the Data Subject's rights under Chapter III of the GDPR. ### 5.6 Assistance with Controller's other obligations Assist the Controller in ensuring compliance with the obligations pursuant to Articles 32 to 36 GDPR, taking into account the nature of processing and the information available to the Processor. ### 5.7 Return or deletion at end of Services At the choice of the Controller, delete or return all Personal Data to the Controller after the end of the provision of Services relating to processing, and delete existing copies, unless Union or Member State law requires storage of the Personal Data. The Processor shall delete Personal Data within 90 days of the end of the Services, except where longer retention is required by Section 9. ### 5.8 Records of processing Maintain a written record of all categories of processing activities carried out on behalf of the Controller, as required by Article 30(2) GDPR. ### 5.9 Audits Make available to the Controller all information necessary to demonstrate compliance with Article 28 GDPR, and allow for and contribute to audits, including inspections, conducted by the Controller or another auditor mandated by the Controller. The Controller shall bear any cost of such audits beyond providing the standard information already available to the Controller through the Services. The Controller shall give reasonable prior notice (at least 30 days), conduct audits during normal business hours, and not disrupt the Processor's operations. ## 6. Obligations of the Controller The Controller warrants that: - It has established a valid legal basis under Article 6 GDPR (and, where applicable, Article 9 GDPR) for all Personal Data it makes available to the Processor through the Services; - It has provided all required transparency information to Data Subjects under Articles 13 and 14 GDPR, including the fact that Cost+ Checkout is used to process checkout and order data; - It has properly configured Cost+ Checkout (including flow rules, allowed countries, payment methods, and any custom scripts or blocks) such that the Services process only Personal Data necessary for the Merchant's lawful purposes; - It will respond to Data Subject requests forwarded by the Processor within the timeframes required by law. ## 7. Sub-processors ### 7.1 General authorisation The Controller provides general authorisation for the Processor to engage Sub-processors for the performance of the Services. A list of current Sub-processors is maintained at Annex 2 and is updated from time to time. ### 7.2 Notice of changes The Processor shall inform the Controller of any intended changes to the list of Sub-processors (addition or replacement) with at least 30 days' prior notice, giving the Controller an opportunity to object on reasonable grounds. If the Controller objects and the Parties cannot agree on a resolution within 30 days, the Controller may terminate the affected portion of the Services for convenience. ### 7.3 Flow-down obligations The Processor shall impose on every Sub-processor, by way of contract, the same data-protection obligations as set out in this DPA, and shall remain fully liable to the Controller for the performance of each Sub-processor's obligations. ## 8. International data transfers ### 8.1 Primary hosting The Processor hosts the Services in the European Union and processes Personal Data primarily within the EU/EEA. Some authorised Sub-processors (for example, certain payment-acquiring partners) are located outside the EEA; where this is the case, the Processor ensures the transfer is protected by an adequacy decision or by Standard Contractual Clauses as set out in Section 8.2, and identifies the relevant Sub-processors in Annex 2. ### 8.2 Sub-processor transfers Where a Sub-processor is located outside the EU/EEA, the Processor ensures that transfers are covered by an adequacy decision under Article 45 GDPR, or by Standard Contractual Clauses adopted by the European Commission (Module 2: controller-to-processor or Module 3: processor-to-processor, as appropriate), or by another valid transfer mechanism under Chapter V GDPR. ### 8.3 Onward transfers Shopify itself acts as an independent controller with respect to the customer data that the Controller has entered into its Shopify store. The Processor's receipt of such data from Shopify, and return of Shopify-created order data to Shopify, are covered by Shopify's own data-protection terms with the Merchant and are not onward transfers under this DPA. ## 9. Retention and deletion The Processor retains Personal Data for the following periods: - Active session data (in-flight checkout sessions that have not completed): deleted 30 days after the session's expiry; - Completed order data (sessions that resulted in a Shopify order): retained for 7 years to meet tax and accounting-law retention requirements in Estonia and most EU jurisdictions, then deleted; - Payment tokens and authorization records: retained for the retention period of the underlying payment method (typically 7 years); - Log data (request logs, webhook delivery logs): retained for 90 days, then rotated out; - Audit / security event logs: retained for 1 year. Upon termination of the Services, the Processor shall delete or return Personal Data as set out in Section 5.7 above, subject to the retention periods mandated by applicable law. ## 10. Data breach notification The Processor shall notify the Controller without undue delay, and in any event within 48 hours, of becoming aware of a Personal Data breach affecting the Controller's data. The notification shall contain at least the information required by Article 33(3) GDPR to the extent available, and shall be updated as additional information becomes known. ## 11. Liability The Parties' liability under this DPA is subject to the liability provisions of the Terms of Service, except that any limitation of liability in the Terms of Service does not exclude or limit liability for any matter for which such exclusion or limitation would be unlawful under applicable data-protection law. ## 12. Governing law and jurisdiction This DPA is governed by the laws of Estonia, without regard to its conflict-of-laws rules. The Parties submit to the exclusive jurisdiction of the courts of Harju County, Estonia, for any dispute arising out of or in connection with this DPA, subject to any mandatory provisions of law regarding jurisdiction over consumer or data-subject disputes. ## 13. Term and termination This DPA takes effect on the date the Controller first installs or uses the Services and terminates automatically upon termination of the Terms of Service. Clauses that by their nature should survive termination (including Sections 5.7, 9, 10, and 12) shall survive. ## 14. Entire agreement This DPA, together with the Terms of Service at https://costplus.io/shopify-app-terms.html and the Privacy Policy at https://costplus.io/privacy-policy.html, constitutes the entire agreement between the Parties with respect to the subject matter and supersedes all prior understandings. ## Annex 1 — Technical and organisational measures The Processor implements the following technical and organisational measures to protect Personal Data: ### Encryption - All data in transit is encrypted using TLS 1.2 or higher, with certificates managed via Let's Encrypt and automatic rotation. - Shopify API access tokens and third-party payment-provider credentials are encrypted at rest using AES-256-GCM with application-layer keys managed via HashiCorp Vault Transit or an equivalent key-management system. - Database backups are encrypted before transfer to off-site storage. ### Access control - Production system access is restricted to a defined set of authorised personnel with individually identifiable accounts, SSH key-based authentication for server access, and hardware-backed or TOTP multi-factor authentication for administrative interfaces. - Application-level merchant passwords are hashed using Argon2id with memory-hard parameters. - Access to Personal Data is logged and retained in accordance with Section 9 of the DPA. ### Infrastructure - Services are hosted in Tier-III or equivalent data centres located within the European Union. - Logical separation between test and production environments; no production data is used in development or testing environments. - Regular patching of operating systems, runtime environments, and third-party dependencies. ### Personnel - Personnel with access to Personal Data are bound by written confidentiality obligations that survive termination of their engagement. - Onboarding and periodic security-awareness training for all personnel with access to Personal Data or production infrastructure. ### Incident response - Documented security-incident response procedure covering detection, containment, investigation, notification (including to the Controller within 48 hours per Section 10), and post-incident review. - Quarterly review of incident-response procedures and contact information. ### Data-loss prevention - Application-level access controls scoped to individual merchants and individual sessions; no merchant can access another merchant's data via the API. - Audit logging of all access to Personal Data, retained per Section 9. - Regular restoration tests of encrypted backups. ### Secure development - Source code hosted in a private repository with enforced review of all changes before merge. - Automated dependency scanning and regular updates of third-party libraries. - Penetration testing at least annually once the Services reach general availability. ## Annex 2 — Authorised Sub-processors As of the last-updated date of this DPA, the following Sub-processors are authorised to process Personal Data on behalf of the Controller: | Sub-processor | Purpose | Location | Transfer mechanism | |---|---|---|---| | OVH SAS | Cloud infrastructure hosting (compute, storage, network) and encrypted off-site backups | France (EU) | Intra-EEA | | SMTP2GO | Transactional and notification emails | EU | Intra-EEA | | Cost+ payment infrastructure (Costplus OÜ) | Payment tokenisation, authorisation, capture, refund | EU | Intra-EEA | | Ginger Payments | Payment gateway / transaction routing | Netherlands (EU) | Intra-EEA | | FinteqHub | Payment gateway / orchestration | Cyprus and Lithuania (EU) | Intra-EEA | | ComplyPay | Banking-as-a-Service (BaaS) provider | Denmark (EU) | Intra-EEA | | Rapyd | Payment acquiring / processing | EU / United Kingdom | Intra-EEA; UK transfers under EU–UK adequacy decision | | SHIFT4 | Payment acquiring / processing | EU / United Kingdom | Intra-EEA; UK transfers under EU–UK adequacy decision | | Elavon | Payment acquiring / processing | EU / United Kingdom | Intra-EEA; UK transfers under EU–UK adequacy decision | | Clearhaus | Payment acquiring / processing | Denmark (EU) | Intra-EEA | | Paynetics | Payment acquiring / e-money issuance | Bulgaria (EU) | Intra-EEA | | Didit | Identity verification, KYB / KYC / AML compliance | United States / Spain (EU) | Standard Contractual Clauses (Art. 46 GDPR) | The Processor will maintain an up-to-date version of this list at https://costplus.io/dpa/sub-processors and will notify the Controller of any additions or replacements in accordance with Section 7.2 of this DPA. End of Data Processing Agreement. --- ### Cost+ Checkout — Shopify App Terms of Service https://costplus.io/shopify-app-terms _Terms of Service for Cost+ Checkout, the Shopify app from Costplus OÜ._ # Terms of Service Last updated: 22 April 2026 ## 1. Introduction These Terms of Service ("Terms") govern your access to and use of the Cost+ Checkout service, including the Shopify app published under the name "Cost+ Checkout", the associated APIs and dashboards at checkout-api.costplus.io and dashboard.costplus.io, the buyer-facing hosted checkout pages at checkout.costplus.io, and any related documentation (together, the "Service"). The Service is provided by Costplus OÜ, a company registered in Estonia, with its registered office at [street address, postcode, city], Estonia, company registration number [registry code] ("Costplus", "we", "us", or "our"). By installing the Cost+ Checkout Shopify app, creating an account at dashboard.costplus.io, or otherwise using the Service, you ("Merchant" or "you") agree to be bound by these Terms. If you do not agree, do not install or use the Service. ## 2. Description of the Service Cost+ Checkout is a funnel-orchestration tool for merchants operating on Shopify and other supported platforms. The Service enables merchants to: - Define one or more checkout flows using a visual flow designer, including conditional routing, A/B tests, scheduled variants, fraud-check integration, and multi-project bindings; - Route shoppers arriving from merchant-controlled entry points (such as email campaigns, landing pages, social advertisements, or direct storefront links) through a consistent branded checkout experience; - Process payments for checkout sessions via Cost+'s payment infrastructure or a merchant-configured payment provider; - Create corresponding orders in the merchant's Shopify store (or, for direct-API merchants, via a webhook the merchant defines) after the buyer completes payment; - Handle refunds, cancellations, and capture events initiated by the merchant through Shopify admin or the Cost+ dashboard. Costplus reserves the right to modify, suspend, or discontinue any part of the Service at any time, with reasonable prior notice where practicable. ## 3. Eligibility and account registration You must be at least 18 years old and legally capable of entering into binding contracts under the laws of your jurisdiction. You must register for the Service through dashboard.costplus.io or through installation of the Cost+ Checkout Shopify app. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at security@costplus.io if you suspect unauthorised access. ## 4. Your content and data You retain all rights to the content, data, product information, customer lists, and flow definitions you provide to the Service ("Your Content"). By using the Service, you grant Costplus a worldwide, non-exclusive, royalty-free licence to host, process, display, and otherwise use Your Content solely to the extent necessary to provide the Service to you and to your customers. You warrant that Your Content does not infringe the rights of any third party, and that you have obtained all necessary consents (including from your customers) for Costplus to process the Personal Data described in our Privacy Policy and in the Data Processing Agreement. ## 5. Data processing and data protection ### 5.1 Privacy Policy Our Privacy Policy at https://costplus.io/privacy-policy describes how we collect, use, and protect Personal Data relating to you and to the buyers who complete checkout through the Service. You acknowledge that you have read and understood the Privacy Policy. ### 5.2 Data Processing Agreement When you use the Service to process Personal Data of buyers who are resident in the European Economic Area, the United Kingdom, or any other jurisdiction whose data-protection law requires a controller-to-processor agreement, the Data Processing Agreement at https://costplus.io/dpa is incorporated into these Terms by reference and forms a binding part of the agreement between you and Costplus. By installing the Service, you are deemed to accept the Data Processing Agreement on behalf of yourself and, where applicable, your group companies. You are the data controller with respect to Personal Data of your customers. Costplus acts as your data processor, processing Personal Data only on your documented instructions and in accordance with the Data Processing Agreement. ### 5.3 Sub-processors Costplus may engage sub-processors as described in Annex 2 of the Data Processing Agreement. Changes to the sub-processor list will be notified in accordance with that Annex. ## 6. Merchant obligations You agree that you will: - Comply with all applicable laws (including data-protection, consumer-protection, tax, customs, and anti-money-laundering laws) in your use of the Service; - Maintain all required consents and transparency information for your customers under Articles 13 and 14 GDPR and any equivalent local law; - Provide accurate and up-to-date information about your business, products, tax configuration, and payment arrangements; - Use the Service only for lawful goods and services. The Service may not be used to sell or distribute: illegal goods or services; counterfeit goods; weapons, ammunition, or explosives; controlled substances or drug paraphernalia in jurisdictions where prohibited; adult content in jurisdictions where prohibited; human trafficking or exploitative services; or any other category of goods or services prohibited by Cost+'s payment infrastructure partners from time to time; - Not attempt to reverse-engineer, decompile, or otherwise extract the source code of the Service, except as expressly permitted by applicable law; - Not use the Service to send unsolicited commercial communications, to engage in fraud, or to evade another merchant's chargeback obligations; - Not attempt to bypass, disable, or defeat any security or authentication mechanism in the Service. ## 7. Intellectual property The Service, including the Shopify app, the flow designer SPA, the hosted checkout pages, the APIs, the documentation, the Cost+ Checkout brand, and all associated copyrights, trade marks, trade secrets, and other intellectual property rights, are owned by Costplus or its licensors. These Terms do not grant you any right, title, or interest in the Service except the limited, non-exclusive, non-transferable licence to use the Service in accordance with these Terms during the term of your subscription. You grant Costplus a non-exclusive, royalty-free licence to use your business name, logo, and storefront imagery solely to identify you as a merchant of the Service, in marketing materials, case studies, and merchant directories, unless you opt out by written notice to legal@costplus.io. ## 8. Fees and payment ### 8.1 Subscription and transaction fees Fees for the Service are set out in the pricing information displayed at dashboard.costplus.io/pricing or otherwise communicated to you in writing. Fees may include a monthly subscription fee, a per-transaction fee, a percentage of processed volume, or any combination thereof, and may vary by plan. ### 8.2 Billing Fees are invoiced monthly in arrears unless otherwise agreed. Payment is due within 14 days of the invoice date, payable by the payment method you have configured in the dashboard. Late payments accrue interest at the statutory rate plus 2%, calculated daily. ### 8.3 Taxes All fees are exclusive of VAT and other applicable taxes, which shall be added where required. You are responsible for all taxes applicable to your business's use of the Service, including VAT on merchant-side transactions. ### 8.4 Changes to fees Costplus may change the fees at any time with at least 30 days' prior written notice. If you do not agree with the new fees, you may terminate the Service as set out in Section 12 before the new fees take effect. ## 9. Third-party services The Service integrates with third-party platforms, including Shopify, payment processors, shipping carriers, tax calculation providers, and fraud-detection providers. Your use of those third-party services is governed by the third party's own terms, and Costplus is not responsible for their performance, availability, or the decisions they make (for example, fraud declines or shipping-rate decisions). You are responsible for maintaining valid accounts and credentials with any third-party services you configure in the Service. Integration with the Shopify platform is subject to Shopify's own terms of service, API licence terms, and Partner Program Agreement. Termination of your Shopify subscription or the Cost+ Checkout app's listing on the Shopify App Store may result in suspension or termination of your access to the affected functionality. ## 10. Disclaimer of warranties To the maximum extent permitted by applicable law, the Service is provided "as is" and "as available", without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, title, non-infringement, or continuous availability. Costplus does not warrant that the Service will be uninterrupted, error-free, secure, or free from harmful components, nor that it will meet your specific business requirements. Nothing in this Section limits liability that cannot be excluded or limited under applicable consumer-protection law. ## 11. Limitation of liability ### 11.1 Excluded damages To the maximum extent permitted by applicable law, neither Party shall be liable to the other for any indirect, incidental, consequential, special, punitive, or exemplary damages (including lost profits, lost revenue, loss of goodwill, or loss of data that could have been prevented by reasonable backup practices) arising out of or relating to the Service or these Terms, even if such Party has been advised of the possibility of such damages. ### 11.2 Aggregate cap The aggregate liability of each Party to the other under or in connection with the Service and these Terms in any 12-month period shall not exceed the greater of (a) the total fees paid or payable by the Merchant to Costplus under these Terms during the 12 months immediately preceding the event giving rise to liability, or (b) one thousand euros (€1,000). ### 11.3 Exceptions The limitations in Sections 11.1 and 11.2 do not apply to: (a) either Party's indemnification obligations; (b) either Party's breach of confidentiality obligations; (c) Costplus's obligations under the Data Processing Agreement with respect to a personal-data breach caused by Costplus's gross negligence or wilful misconduct; or (d) any liability that cannot be excluded or limited under applicable law. ## 12. Term and termination ### 12.1 Term These Terms take effect on the date you first install the Shopify app or create an account at dashboard.costplus.io and continue in force until terminated in accordance with this Section. ### 12.2 Termination by Merchant You may terminate these Terms at any time by uninstalling the Shopify app from your Shopify store and/or deleting your account at dashboard.costplus.io. Prepaid subscription fees are non-refundable except where expressly required by applicable consumer-protection law. ### 12.3 Termination by Costplus Costplus may suspend or terminate your access to the Service with at least 30 days' prior written notice for convenience, or immediately if: (a) you materially breach these Terms and fail to cure the breach within 14 days of written notice (where curable); (b) you become insolvent, enter bankruptcy or a similar procedure, or cease to carry on your business; (c) your use of the Service violates applicable law; or (d) your use of the Service is flagged by a payment-processing partner or by Shopify as high risk and cannot be remediated by reasonable means. ### 12.4 Effect of termination Upon termination: (a) your access to the Service is revoked; (b) Costplus will retain Personal Data only for the retention periods set out in the Data Processing Agreement; (c) outstanding fees through the termination date remain due and payable; and (d) the clauses that by their nature should survive (including Sections 5, 7, 10, 11, 12.4, 14, 15, 16, and 17) shall survive. ## 13. Confidentiality Each Party shall protect the other Party's confidential information with at least the same degree of care it uses to protect its own confidential information of a similar nature, and in any event with no less than reasonable care. Confidential information includes, without limitation, business plans, pricing, source code, customer lists, and data shared under the Service. Confidential information does not include information that is publicly known through no fault of the receiving Party, was already known before disclosure, is independently developed without use of the other Party's confidential information, or is required to be disclosed by law (in which case the receiving Party shall, where lawful, give prompt notice to the disclosing Party). ## 14. Changes to the Terms Costplus may modify these Terms from time to time. Material changes will be notified by email to the address associated with your account or by prominent notice in the dashboard, at least 30 days before the changes take effect. Non-material changes (such as clarifications or typo corrections) may be made at any time, with the updated version posted at the URL above. Your continued use of the Service after the effective date of any modification constitutes acceptance of the modified Terms. ## 15. Indemnification You shall defend, indemnify, and hold harmless Costplus and its officers, directors, employees, and agents from and against any claims, losses, damages, and expenses (including reasonable attorneys' fees) arising out of: (a) your breach of these Terms; (b) your use of the Service in violation of applicable law; (c) Your Content, including any claim that Your Content infringes a third party's rights; or (d) any dispute between you and a customer relating to products or services sold through the Service. ## 16. Governing law and jurisdiction These Terms are governed by the laws of Estonia, without regard to its conflict-of-laws rules. The Parties submit to the exclusive jurisdiction of the courts of Harju County, Estonia, for any dispute arising out of or in connection with these Terms, subject to any mandatory provisions of law regarding consumer protection or data-subject rights. ## 17. General ### 17.1 Entire agreement These Terms, together with the Privacy Policy at https://costplus.io/privacy-policy and the Data Processing Agreement at https://costplus.io/dpa, constitute the entire agreement between the Parties with respect to the Service and supersede all prior agreements, whether written or oral. ### 17.2 Severability If any provision of these Terms is held to be unenforceable, the remainder of the Terms shall remain in effect, and the unenforceable provision shall be construed to give effect to the Parties' original intent to the maximum extent permitted by law. ### 17.3 No waiver Failure by either Party to enforce any provision of these Terms does not constitute a waiver of its right to enforce that provision or any other provision in the future. ### 17.4 Assignment You may not assign these Terms, in whole or in part, without Costplus's prior written consent. Costplus may assign these Terms to an affiliate or to a successor in connection with a merger, acquisition, or sale of substantially all of its assets. ### 17.5 Force majeure Neither Party is liable for any failure or delay in performance caused by events beyond its reasonable control, including natural disasters, war, acts of terrorism, strikes, internet or telecommunications failures, or governmental action. ### 17.6 Notices Notices to Costplus must be sent to legal@costplus.io. Notices to the Merchant will be sent to the email address associated with the Merchant's account. ### 17.7 Contact For questions about these Terms, contact legal@costplus.io. For privacy questions, contact privacy@costplus.io. For security issues, contact security@costplus.io. End of Terms of Service. --- ### Privacy Policy https://costplus.io/privacy-policy _Privacy Policy — transparent payment pricing, integrations, and merchant support from Cost+._ # Privacy Policy Last updated May 29, 2026 This Privacy Notice for Costplus OÜ (doing business as Cost+) ('we', 'us', or 'our'), describes how and why we might access, collect, store, use, and/or share ('process') your personal information when you use our services ('Services'), including when you: - Visit our website at http://costplus.io or any website of ours that links to this Privacy Notice - Use Cost+. Cost+ is a payment service provider and payment gateway that enables online merchants to accept secure, seamless payments from their customers. We provide access to a range of acquiring partners and payment methods through a unified platform, helping merchants manage transactions, reduce costs, and streamline checkout experiences. Our services include transaction processing, onboarding support, technical integration, and ongoing merchant assistance. - Engage with us in other related ways, including any marketing or events Questions or concerns?Reading this Privacy Notice will help you understand your privacy rights and choices. We are responsible for making decisions about how your personal information is processed. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at support@costplus.io. ## SUMMARY OF KEY POINTS This summary provides key points from our Privacy Notice, but you can find out more details about any of these topics by clicking the link following each key point or by using ourtable of contentsbelow to find the section you are looking for. What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use. Learn more about personal information you disclose to us. Do we process any sensitive personal information?Some of the information may be considered 'special' or 'sensitive' in certain jurisdictions, for example your racial or ethnic origins, sexual orientation, and religious beliefs. We may process sensitive personal information when necessary with your consent or as otherwise permitted by applicable law. Learn more about sensitive information we process. Do we collect any information from third parties? We may collect information from public databases, marketing partners, social media platforms, and other outside sources. Learn more about information collected from other sources. How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so. Learn more about how we process your information. In what situations and with which parties do we share personal information? We may share information in specific situations and with specific third parties. Learn more about when and with whom we share your personal information. How do we keep your information safe? We have adequate organisational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorised third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Learn more about how we keep your information safe. What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information. Learn more about your privacy rights. How do you exercise your rights? The easiest way to exercise your rights is by submitting a data subject access request, or by contacting us. We will consider and act upon any request in accordance with applicable data protection laws. Want to learn more about what we do with any information we collect? Review the Privacy Notice in full. ## TABLE OF CONTENTS 1. WHAT INFORMATION DO WE COLLECT? 2. HOW DO WE PROCESS YOUR INFORMATION? 3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION? 4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION? 5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES? 6. DO WE OFFER ARTIFICIAL INTELLIGENCE-BASED PRODUCTS? 7. HOW LONG DO WE KEEP YOUR INFORMATION? 8. HOW DO WE KEEP YOUR INFORMATION SAFE? 9. DO WE COLLECT INFORMATION FROM MINORS? 10. WHAT ARE YOUR PRIVACY RIGHTS? 11. CONTROLS FOR DO-NOT-TRACK FEATURES 12. SELECTION OF PAYMENT AND COMPLIANCE PARTNERS 13. SHOPIFY APP: PROTECTED CUSTOMER DATA PROCESSING 14. DO WE MAKE UPDATES TO THIS NOTICE? 15. HOW CAN YOU CONTACT US ABOUT THIS NOTICE? 16. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU? ## 1. WHAT INFORMATION DO WE COLLECT? ### Personal information you disclose to us In Short:We collect personal information that you provide to us. We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us. Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following: - names - phone numbers - email addresses - mailing addresses - job titles - usernames - contact preferences - passwords - contact or authentication data - billing addresses Sensitive Information. When necessary, with your consent or as otherwise permitted by applicable law, we process the following categories of sensitive information: - social security numbers or other government identifiers - financial data - genetic data - information revealing race or ethnic origin - credit worthiness data Payment Data. We may collect data necessary to process your payment if you choose to make purchases, such as your payment instrument number, and the security code associated with your payment instrument. All payment data is handled and stored by Cost+. You may find their privacy notice link(s) here:https://costplus.io/privacy-policy. All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information. ### Information automatically collected In Short:Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Services. We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes. Like many businesses, we also collect information through cookies and similar technologies. You can find out more about this in our Cookie Notice: https://costplus.io/cookie-policy. The information we collect includes: - Log and Usage Data. Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called 'crash dumps'), and hardware settings). - Device Data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the Services. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information. - Location Data. We collect location data such as information about your device's location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the Services. ### Google API Our use of information received from Google APIs will adhere to Google API Services User Data Policy, including the Limited Use requirements. ### Information collected from other sources In Short:We may collect limited data from public databases, marketing partners, and other outside sources. In order to enhance our ability to provide relevant marketing, offers, and services to you and update our records, we may obtain information about you from other sources, such as public databases, joint marketing partners, affiliate programs, data providers, and from other third parties. This information includes mailing addresses, job titles, email addresses, phone numbers, intent data (or user behaviour data), Internet Protocol (IP) addresses, social media profiles, social media URLs, and custom profiles, for purposes of targeted advertising and event promotion. ## 2. HOW DO WE PROCESS YOUR INFORMATION? In Short:We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your personal information for a variety of reasons, depending on how you interact with our Services, including: - To facilitate account creation and authentication and otherwise manage user accounts.We may process your information so you can create and log in to your account, as well as keep your account in working order. - To deliver and facilitate delivery of services to the user.We may process your information to provide you with the requested service. - To respond to user inquiries/offer support to users.We may process your information to respond to your inquiries and solve any potential issues you might have with the requested service. - To send administrative information to you.We may process your information to send you details about our products and services, changes to our terms and policies, and other similar information. - To fulfil and manage your orders. We may process your information to fulfil and manage your orders, payments, returns, and exchanges made through the Services. - To protect our Services. We may process your information as part of our efforts to keep our Services safe and secure, including fraud monitoring and prevention. - To save or protect an individual's vital interest. We may process your information when necessary to save or protect an individual’s vital interest, such as to prevent harm. ## 3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR INFORMATION? In Short:We only process your personal information when we believe it is necessary and we have a valid legal reason (i.e. legal basis) to do so under applicable law, like with your consent, to comply with laws, to provide you with services to enter into or fulfil our contractual obligations, to protect your rights, or to fulfil our legitimate business interests. The General Data Protection Regulation (GDPR) and UK GDPR require us to explain the valid legal bases we rely on in order to process your personal information. As such, we may rely on the following legal bases to process your personal information: - Consent.We may process your information if you have given us permission (i.e. consent) to use your personal information for a specific purpose. You can withdraw your consent at any time. Learn more about withdrawing your consent. - Performance of a Contract. We may process your personal information when we believe it is necessary to fulfil our contractual obligations to you, including providing our Services or at your request prior to entering into a contract with you. - Legitimate Interests. We may process your information when we believe it is reasonably necessary to achieve our legitimate business interests and those interests do not outweigh your interests and fundamental rights and freedoms. For example, we may process your personal information for some of the purposes described in order to: - Diagnose problems and/or prevent fraudulent activities - Legal Obligations. We may process your information where we believe it is necessary for compliance with our legal obligations, such as to cooperate with a law enforcement body or regulatory agency, exercise or defend our legal rights, or disclose your information as evidence in litigation in which we are involved. - Vital Interests. We may process your information where we believe it is necessary to protect your vital interests or the vital interests of a third party, such as situations involving potential threats to the safety of any person. In legal terms, we are generally the 'data controller' under European data protection laws of the personal information described in this Privacy Notice, since we determine the means and/or purposes of the data processing we perform. This Privacy Notice does not apply to the personal information we process as a 'data processor' on behalf of our customers. In those situations, the customer that we provide services to and with whom we have entered into a data processing agreement is the 'data controller' responsible for your personal information, and we merely process your information on their behalf in accordance with your instructions. If you want to know more about our customers' privacy practices, you should read their privacy policies and direct any questions you have to them. ## 4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION? In Short:We may share information in specific situations described in this section and/or with the following third parties. Vendors, Consultants, and Other Third-Party Service Providers. We may share your data with third-party vendors, service providers, contractors, or agents ('third parties') who perform services for us or on our behalf and require access to such information to do that work. We have contracts in place with our third parties, which are designed to help safeguard your personal information. This means that they cannot do anything with your personal information unless we have instructed them to do it. They will also not share your personal information with any organisation apart from us. They also commit to protect the data they hold on our behalf and to retain it for the period we instruct. The third parties we may share personal information with are as follows: - Payment Processing & Acquiring To facilitate transactions, data is shared with our acquiring partners, including Rapyd, SHIFT4, Elavon, Clearhaus, Paynetics, and ComplyPay. - Identity Verification & Compliance To fulfill our legal obligations regarding 'Know Your Business' (KYB), 'Know Your Customer' (KYC), and Anti-Money Laundering (AML) regulations, we utilize Didit and Tally.so for automated verification and identity management. We also may need to share your personal information in the following situations: - Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company. - Affiliates.We may share your information with our affiliates, in which case we will require those affiliates to honour this Privacy Notice. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us. - Business Partners. We may share your information with our business partners to offer you certain products, services, or promotions. ## 5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES? In Short:We may use cookies and other tracking technologies to collect and store your information. We may use cookies and similar tracking technologies (like web beacons and pixels) to gather information when you interact with our Services. Some online tracking technologies help us maintain the security of our Services and your account, prevent crashes, fix bugs, save your preferences, and assist with basic site functions. We also permit third parties and service providers to use online tracking technologies on our Services for analytics and advertising, including to help manage and display advertisements, to tailor advertisements to your interests, or to send abandoned shopping cart reminders (depending on your communication preferences). The third parties and service providers use their technology to provide advertising about products and services tailored to your interests which may appear either on our Services or on other websites. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice: https://costplus.io/cookie-policy. ### Google Analytics We may share your information with Google Analytics to track and analyse the use of the Services. The Google Analytics Advertising Features that we may use include: Google Analytics Demographics and Interests Reporting. To opt out of being tracked by Google Analytics across the Services, visit https://tools.google.com/dlpage/gaoptout. You can opt out of Google Analytics Advertising Features through Ads Settings and Ad Settings for mobile apps. Other opt out means include http://optout.networkadvertising.org/ and http://www.networkadvertising.org/mobile-choice. For more information on the privacy practices of Google, please visit the Google Privacy & Terms page. ## 6. DO WE OFFER ARTIFICIAL INTELLIGENCE-BASED PRODUCTS? In Short:We offer products, features, or tools powered by artificial intelligence, machine learning, or similar technologies. As part of our Services, we offer products, features, or tools powered by artificial intelligence, machine learning, or similar technologies (collectively, 'AI Products'). These tools are designed to enhance your experience and provide you with innovative solutions. The terms in this Privacy Notice govern your use of the AI Products within our Services. Use of AI Technologies We provide the AI Products through third-party service providers ('AI Service Providers'), including OpenAI, ElevenLabs, Mistral AI and Anthropic. As outlined in this Privacy Notice, your input, output, and personal information will be shared with and processed by these AI Service Providers to enable your use of our AI Products for purposes outlined in 'WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION?' You must not use the AI Products in any way that violates the terms or policies of any AI Service Provider. Our AI Products Our AI Products are designed for the following functions: - AI search How We Process Your Data Using AI All personal information processed using our AI Products is handled in line with our Privacy Notice and our agreement with third parties. This ensures high security and safeguards your personal information throughout the process, giving you peace of mind about your data's safety. ## 7. HOW LONG DO WE KEEP YOUR INFORMATION? In Short:We keep your information for as long as necessary to fulfil the purposes outlined in this Privacy Notice unless otherwise required by law. We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than twelve (12) months past the termination of the user's account. When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymise such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible. ## 8. HOW DO WE KEEP YOUR INFORMATION SAFE? In Short:We aim to protect your personal information through a system of organisational and technical security measures. We have implemented appropriate and reasonable technical and organisational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorised third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment. ## 9. DO WE COLLECT INFORMATION FROM MINORS? In Short:We do not knowingly collect data from or market to children under 18 years of age. We do not knowingly collect, solicit data from, or market to children under 18 years of age, nor do we knowingly sell such personal information. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at support@costplus.io. ## 10. WHAT ARE YOUR PRIVACY RIGHTS? In Short:In some regions, such as the European Economic Area (EEA), United Kingdom (UK), and Switzerland, you have rights that allow you greater access to and control over your personal information. You may review, change, or terminate your account at any time, depending on your country, province, or state of residence. In some regions (like the EEA, UK, and Switzerland), you have certain rights under applicable data protection laws. These may include the right (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; (iv) if applicable, to data portability; and (v) not to be subject to automated decision-making. In certain circumstances, you may also have the right to object to the processing of your personal information. You can make such a request by contacting us by using the contact details provided in the section 'HOW CAN YOU CONTACT US ABOUT THIS NOTICE?' below. We will consider and act upon any request in accordance with applicable data protection laws. If you are located in the EEA or UK and you believe we are unlawfully processing your personal information, you also have the right to complain to your Member State data protection authority or UK data protection authority. If you are located in Switzerland, you may contact the Federal Data Protection and Information Commissioner. Withdrawing your consent: If we are relying on your consent to process your personal information, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us by using the contact details provided in the section 'HOW CAN YOU CONTACT US ABOUT THIS NOTICE?' below. However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent. Opting out of marketing and promotional communications:You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, replying 'STOP' or 'UNSUBSCRIBE' to the SMS messages that we send, or by contacting us using the details provided in the section 'HOW CAN YOU CONTACT US ABOUT THIS NOTICE?' below. You will then be removed from the marketing lists. However, we may still communicate with you — for example, to send you service-related messages that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes. ### Account Information If you would at any time like to review or change the information in your account or terminate your account, you can: - Contact us using the contact information provided. - Log in to your account settings and update your user account. Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, we may retain some information in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our legal terms and/or comply with applicable legal requirements. Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services. For further information, please see our Cookie Notice: https://costplus.io/cookie-policy. If you have questions or comments about your privacy rights, you may email us at support@costplus.io. ## 11. CONTROLS FOR DO-NOT-TRACK FEATURES Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ('DNT') feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognising and implementing DNT signals has been finalised. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Notice. ## 12. SELECTION OF PAYMENT AND COMPLIANCE PARTNERS We work with various financial institutions and compliance providers to process your transactions and meet regulatory requirements. The specific partner used may vary depending on your region, currency, or transaction type. > Our payment acquiring partners include, but are not limited to: Rapyd, SHIFT4, Elavon, Clearhaus, Paynetics, and ComplyPay. Additionally, we utilize Didit for identity verification, KYB, KYC, and AML compliance purposes. ## 13. SHOPIFY APP: PROTECTED CUSTOMER DATA PROCESSING When our Shopify app, Cost+ Checkout, is installed on a merchant's Shopify store, we process certain personal data about that merchant's customers in order to provide our service. Cost+ Checkout is a funnel-orchestration tool that routes shoppers arriving from different merchant-controlled entry points (email campaigns, landing pages, social ads, direct store links) through a single consistent checkout experience, before creating the corresponding order in the merchant's Shopify store. The personal data we process is limited to what is necessary to create and manage that Shopify order. Specifically, we collect and process the following categories of personal data about the merchant's customers: Customer name (first and last), used to attach the buyer's identity to the Shopify order record so merchants can fulfill, support, and reconcile orders through their existing Shopify workflows. Customer email address, used to populate the Shopify order so that the merchant's own Shopify notification system can send order confirmations, shipping updates, and refund notifications to the buyer. Customer phone number (when provided), passed through to the Shopify order's shipping address. Some couriers in certain regions require a phone number for last-mile delivery. We do not use the phone number for any other purpose. Customer shipping and billing addresses, used to calculate applicable taxes and shipping rates through Shopify's own tax and shipping rate calculation services, and to populate the corresponding fields on the Shopify order so the merchant can fulfill it. Order details (line items, product information, prices, quantities, discount codes applied, and fulfillment status), used to create the corresponding Shopify order after the buyer completes payment, to reflect refunds and cancellations initiated by the merchant in their Shopify admin back into our system, and to trigger payment capture on fulfillment events where the merchant has configured manual-capture behavior. We retain this personal data only for as long as is necessary to complete and support the order (including any refund or cancellation window), and in accordance with the retention requirements of applicable tax, accounting, and consumer-protection laws. Customers may request access to, correction of, or deletion of their personal data by contacting us at privacy@costplus.io, or by requesting it through the merchant's Shopify store, which will forward the request to us automatically via Shopify's standard GDPR webhook mechanism. We respond to all such requests within the timeframes required by applicable law. We act as a data processor on behalf of the merchant (the data controller) for all personal data described in this clause, and we process such data only in accordance with the merchant's instructions and the Data Processing Agreement that forms part of our Terms of Service. We do not sell personal data, do not use it for advertising or marketing, and do not use it for automated decision-making that produces legal or similarly significant effects on customers. We share personal data only with Shopify itself (to create and manage the corresponding order) and with our payment processing partners to the extent necessary to process the buyer's payment. ## 14. DO WE MAKE UPDATES TO THIS NOTICE? In Short:Yes, we will update this notice as necessary to stay compliant with relevant laws. We may update this Privacy Notice from time to time. The updated version will be indicated by an updated 'Revised' date at the top of this Privacy Notice. If we make material changes to this Privacy Notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this Privacy Notice frequently to be informed of how we are protecting your information. ## 15. HOW CAN YOU CONTACT US ABOUT THIS NOTICE? If you have questions or comments about this notice, you may email us at support@costplus.io or contact us by post at: Costplus OÜ Pärnu mnt. 139b Tallinn, Harju maakond 11317 Estonia If you are a resident in the European Economic Area or Switzerland, we are the 'data controller' of your personal information. We have appointed Theis Nordahl to be our representative in the EEA and Switzerland. You can contact them directly regarding our processing of your information, by email at theis@costplus.io, by visiting https://booking.costplus.io, by phone at +33 6 51441869, or by post to: 27 Rue d'Anjou Paris 92600 France ## 16. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU? Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, details about how we have processed it, correct inaccuracies, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. To request to review, update, or delete your personal information, please fill out and submit a data subject access request. --- ### Sub-processors https://costplus.io/dpa/sub-processors _Cost+ Checkout sub-processors — the third parties that process personal data on behalf of our merchant customers, with each one's purpose, location, and data-transfer safeguard._ # Sub-processors Last updated May 29, 2026 Cost+ Checkout is operated by Costplus OÜ ("Cost+"). To provide our services we engage the third-party sub-processors listed below to process personal data on behalf of our merchant customers, in accordance with our Data Processing Agreement and Privacy Policy. This page is the authoritative, up-to-date list of our authorised sub-processors. In line with Section 7.2 of our DPA, we provide at least 30 days' notice of any intended addition or replacement, giving controllers the opportunity to object on reasonable grounds. ## Authorised sub-processors | Sub-processor | Purpose | Location | Transfer mechanism | |---|---|---|---| | OVH SAS | Cloud infrastructure hosting (compute, storage, network) and encrypted off-site backups | France (EU) | Intra-EEA | | SMTP2GO | Transactional and notification emails | EU | Intra-EEA | | Cost+ payment infrastructure (Costplus OÜ) | Payment tokenisation, authorisation, capture, refund | EU | Intra-EEA | | Ginger Payments | Payment gateway / transaction routing | Netherlands (EU) | Intra-EEA | | FinteqHub | Payment gateway / orchestration | Cyprus and Lithuania (EU) | Intra-EEA | | ComplyPay | Banking-as-a-Service (BaaS) provider | Denmark (EU) | Intra-EEA | | Rapyd | Payment acquiring / processing | EU / United Kingdom | Intra-EEA; UK transfers under EU–UK adequacy decision | | SHIFT4 | Payment acquiring / processing | EU / United Kingdom | Intra-EEA; UK transfers under EU–UK adequacy decision | | Elavon | Payment acquiring / processing | EU / United Kingdom | Intra-EEA; UK transfers under EU–UK adequacy decision | | Clearhaus | Payment acquiring / processing | Denmark (EU) | Intra-EEA | | Paynetics | Payment acquiring / e-money issuance | Bulgaria (EU) | Intra-EEA | | Didit | Identity verification, KYB / KYC / AML compliance | United States / Spain (EU) | Standard Contractual Clauses (Art. 46 GDPR) | Where a sub-processor is located outside the European Economic Area (EEA), the transfer is protected by an adequacy decision under Article 45 GDPR or by the European Commission's Standard Contractual Clauses under Article 46 GDPR, together with any supplementary measures required. ## A note on Shopify Shopify acts as an independent controller in respect of the merchant store data it holds, not as a sub-processor of Cost+. Cost+ receives order data from, and returns Shopify-created order data to, Shopify under Shopify's own data-protection terms with the merchant. See Section 8.3 of our Data Processing Agreement. ## Questions Questions about our sub-processors can be sent to privacy@costplus.io, or by post to Costplus OÜ, Pärnu mnt. 139b, 11317 Tallinn, Estonia. --- ### Terms of Service https://costplus.io/terms-of-service _Terms of Service — transparent payment pricing, integrations, and merchant support from Cost+._ # Terms of Service Last updated May 29, 2026 ## AGREEMENT TO OUR LEGAL TERMS We are Costplus OÜ, doing business as Cost+ ('Company', 'we', 'us', or 'our'), a company registered in Estonia at Pärnu mnt. 139b, Tallinn, Harju maakond 11317. Our VAT number is EE102740530. We operate the website http://www.costplus.io (the 'Site'), as well as any other related products and services that refer or link to these legal terms (the 'Legal Terms') (collectively, the 'Services'). Cost+ provides merchants with access to a secure and climate-positive payment gateway. Through our platform, businesses can accept a variety of payment methods and streamline their checkout process, while benefiting from low, transparent pricing and personal onboarding support. The website also includes information about pricing, support, integrations, and our environmental impact initiatives, such as tree-planting for every transaction. You can contact us by phone at (+44)330 822 4738, email at support@costplus.io, or by mail to Pärnu mnt. 139b, Tallinn, Harju maakond 11317, Estonia. These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ('you'), and Costplus OÜ, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY. Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms from time to time. We will alert you about any changes by updating the 'Last updated' date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Legal Terms by your continued use of the Services after the date such revised Legal Terms are posted. The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services. We recommend that you print a copy of these Legal Terms for your records. ## TABLE OF CONTENTS 1. OUR SERVICES 2. INTELLECTUAL PROPERTY RIGHTS 3. USER REPRESENTATIONS 4. USER REGISTRATION 5. SUBSCRIPTIONS 6. PROHIBITED ACTIVITIES 7. USER GENERATED CONTRIBUTIONS 8. CONTRIBUTION LICENCE 9. THIRD-PARTY WEBSITES AND CONTENT 10. SERVICES MANAGEMENT 11. PRIVACY POLICY 12. TERM AND TERMINATION 13. MODIFICATIONS AND INTERRUPTIONS 14. GOVERNING LAW 15. DISPUTE RESOLUTION 16. CORRECTIONS 17. DISCLAIMER 18. LIMITATIONS OF LIABILITY 19. INDEMNIFICATION 20. USER DATA 21. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES 22. MISCELLANEOUS 23. CONFIDENTIALITY 24. LIMITED POWER OF ATTORNEY 25. LEGAL STRUCTURE CLARIFICATION 26. ACCEPTABLE USE POLICY 27. GATEWAY BILLING AND USAGE FEES 28. USAGE TRACKING AND LEGAL ACCEPTANCE 29. NO VENDOR LOCK-IN 30. DATA PROCESSING AGREEMENT AND PROTECTION OF CUSTOMER PERSONAL DATA 31. CONTACT US ## 1. OUR SERVICES The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. ## 2. INTELLECTUAL PROPERTY RIGHTS ### Our intellectual property We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the 'Content'), as well as the trademarks, service marks, and logos contained therein (the 'Marks'). Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties around the world. The Content and Marks are provided in or through the Services 'AS IS' for your personal, non-commercial use or internal business purpose only. ### Your use of our Services Subject to your compliance with these Legal Terms, including the 'PROHIBITED ACTIVITIES' section below, we grant you a non-exclusive, non-transferable, revocable licence to: - access the Services; and - download or print a copy of any portion of the Content to which you have properly gained access, solely for your personal, non-commercial use or internal business purpose. Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission. If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to: support@costplus.io. If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying our Content. We reserve all rights not expressly granted to you in and to the Services, Content, and Marks. Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately. Your submissions Please review this section and the 'PROHIBITED ACTIVITIES' section carefully prior to using our Services to understand the (a) rights you give us and (b) obligations you have when you post or upload any content through the Services. Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ('Submissions'), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you. You are responsible for what you post or upload: By sending us Submissions through any part of the Services you: - confirm that you have read and agree with our 'PROHIBITED ACTIVITIES' and will not post, send, publish, upload, or transmit through the Services any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading; - to the extent permissible by applicable law, waive any and all moral rights to any such Submission; - warrant that any such Submission are original to you or that you have the necessary rights and licences to submit such Submissions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions; and - warrant and represent that your Submissions do not constitute confidential information. You are solely responsible for your Submissions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party’s intellectual property rights, or (c) applicable law. ## 3. USER REPRESENTATIONS By using the Services, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Legal Terms; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise; (6) you will not use the Services for any illegal or unauthorised purpose; and (7) your use of the Services will not violate any applicable law or regulation. If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof). ## 4. USER REGISTRATION You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable. ## 5. SUBSCRIPTIONS ### Billing and Renewal Subscriptions are currently renewed manually on a monthly basis. Invoices are issued to active users on a monthly basis, based on service usage or a pre-agreed subscription price. We will notify customers before any changes to renewal methods or pricing. Automated renewal may be introduced at a later stage. ### Cancellation You can cancel your subscription at any time by contacting us using the contact information provided below. Your cancellation will take effect at the end of the current paid term. If you have any questions or are unsatisfied with our Services, please email us at support@costplus.io. ### Fee Changes We may, from time to time, make changes to the subscription fee and will communicate any price changes to you in accordance with applicable law. ## 6. PROHIBITED ACTIVITIES You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavours except those that are specifically endorsed or approved by us. As a user of the Services, you agree not to: Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us. Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords. Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein. Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services. Use any information obtained from the Services in order to harass, abuse, or harm another person. Make improper use of our support services or submit false reports of abuse or misconduct. Use the Services in a manner inconsistent with any applicable laws or regulations. Engage in unauthorised framing of or linking to the Services. Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services. Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools. Delete the copyright or other proprietary rights notice from any Content. Attempt to impersonate another user or person or use the username of another user. Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ('gifs'), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as 'spyware' or 'passive collection mechanisms' or 'pcms'). Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services. Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you. Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services. Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code. Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services. Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorised script or other software. Use a buying agent or purchasing agent to make purchases on the Services. Make any unauthorised use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretences. Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavour or commercial enterprise. ## 7. USER GENERATED CONTRIBUTIONS The Services does not offer users to submit or post content. We may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, 'Contributions'). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit may be treated in accordance with the Services' Privacy Policy. When you create or make available any Contributions, you thereby represent and warrant that: - The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party. - You are the creator and owner of or have the necessary licences, rights, consents, releases, and permissions to use and to authorise us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Legal Terms. - You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Services and these Legal Terms. - Your Contributions are not false, inaccurate, or misleading. - Your Contributions are not unsolicited or unauthorised advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation. - Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libellous, slanderous, or otherwise objectionable (as determined by us). - Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone. - Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people. - Your Contributions do not violate any applicable law, regulation, or rule. - Your Contributions do not violate the privacy or publicity rights of any third party. - Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors. - Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap. - Your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms, or any applicable law or regulation. Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services. ## 8. CONTRIBUTION LICENCE You and Services agree that we may access, store, process, and use any information and personal data that you provide following the terms of the Privacy Policy and your choices (including settings). By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you. We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions. ## 9. THIRD-PARTY WEBSITES AND CONTENT The Services may contain (or you may be sent via the Site) links to other websites ('Third-Party Websites') as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ('Third-Party Content'). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites. ## 10. SERVICES MANAGEMENT We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services. ## 11. PRIVACY POLICY We care about data privacy and security. Please review our Privacy Policy:https://costplus.io/privacy-policy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in France, Ireland and Germany. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in France, Ireland and Germany, then through your continued use of the Services, you are transferring your data to France, Ireland and Germany, and you expressly consent to have your data transferred to and processed in France, Ireland and Germany. ## 12. TERM AND TERMINATION These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION. If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress. ## 13. MODIFICATIONS AND INTERRUPTIONS We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services. We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith. ## 14. GOVERNING LAW These Legal Terms are governed by and interpreted following the laws of Estonia, and the use of the United Nations Convention of Contracts for the International Sales of Goods is expressly excluded. If your habitual residence is in the EU, and you are a consumer, you additionally possess the protection provided to you by obligatory provisions of the law in your country to residence. Costplus OÜ and yourself both agree to submit to the non-exclusive jurisdiction of the courts of Tallinn, which means that you may make a claim to defend your consumer protection rights in regards to these Legal Terms in Estonia, or in the EU country in which you reside. ## 15. DISPUTE RESOLUTION ### Informal Negotiations To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a 'Dispute' and collectively, the 'Disputes') brought by either you or us (individually, a 'Party' and collectively, the 'Parties'), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party. ### Binding Arbitration Any dispute arising from the relationships between the Parties to these Legal Terms shall be determined by one arbitrator who will be chosen in accordance with the Arbitration and Internal Rules of the European Court of Arbitration being part of the European Centre of Arbitration having its seat in Strasbourg, and which are in force at the time the application for arbitration is filed, and of which adoption of this clause constitutes acceptance. The seat of arbitration shall be Tallinn, Estonia. The language of the proceedings shall be English. Applicable rules of substantive law shall be the law of Estonia. ### Restrictions The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilise class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. ### Exceptions to Informal Negotiations and Arbitration The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorised use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court. ## 16. CORRECTIONS There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice. ## 17. DISCLAIMER THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORISED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGEMENT AND EXERCISE CAUTION WHERE APPROPRIATE. ## 18. LIMITATIONS OF LIABILITY IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE LESSER OF THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE six (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING OR 45. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS. ## 19. INDEMNIFICATION You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) use of the Services; (2) breach of these Legal Terms; (3) any breach of your representations and warranties set forth in these Legal Terms; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Services with whom you connected via the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defence and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defence of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it. ## 20. USER DATA We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data. ## 21. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means. ## 22. MISCELLANEOUS These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defences you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms. ## 23. CONFIDENTIALITY Users agree not to disclose any fees, terms, or conditions associated with their agreement with Cost+ to any third party. Breach of this confidentiality may result in immediate termination of services or adjustment of pricing at Cost+’s sole discretion. ## 24. LIMITED POWER OF ATTORNEY By using Cost+’s services, the merchant grants NOPAYN LTD the authority to act as its representative solely for the purpose of executing agreements with acquiring partners. This includes, but is not limited to, signing any documentation required to facilitate payment processing setup. This limited power of attorney applies exclusively to onboarding and coordination with acquiring partners. It does not extend to other matters and does not authorize NOPAYN LTD to act on behalf of the merchant beyond this specific scope. ## 25. LEGAL STRUCTURE CLARIFICATION Costplus OÜ (registry code 16936614) is a subsidiary of NOPAYN LTD, a private limited company registered in Cyprus under company number HE481340, with its registered office at Strovolou 77, Flat/Office 301, Strovolos, 2018, Nicosia, Cyprus. While these Terms are governed by and shall be construed in accordance with the laws of Estonia, certain operational, financial, and technical functions may be fulfilled by NOPAYN LTD. Nothing in these Terms shall be construed as limiting the role, liability, or authority of Costplus OÜ as the primary provider of the Services. ## 26. ACCEPTABLE USE POLICY All use of Cost+’s services is subject to our Acceptable Use Policy, which outlines prohibited activities and content. We reserve the right to suspend or terminate access to the Services for any merchant or user who violates this policy. It is your responsibility to review the AUP regularly to ensure ongoing compliance. You can read more at costplus.io/acceptable-use. ## 27. GATEWAY BILLING AND USAGE FEES Gateway Access: By connecting your acquirer or payment solution to our platform—whether through our API, hosted checkout, plugin, module, or third-party app—you agree to use NoPayn’s Gateway Services, including transaction routing, reporting, and related functionalities. Usage-Based Fees: Gateway fees are charged based on your usage, including but not limited to the number of transactions processed, volume thresholds, or activated add-ons. For certain plugins, an additional fee of 0.35% per transaction may apply. Full details and current fees are listed at helpdesk.costplus.io/en/5-understanding-your-fees, which we may update from time to time with prior notice. Consent to Billing: You authorize Cost+ to charge your registered payment method for any fees incurred through use of the Gateway Services. Charges may occur on a monthly, per-transaction, or volume threshold basis, as defined on our pricing page. Continued use of the gateway after a pricing update constitutes acceptance of the updated pricing. No Separate Agreement Required: Your use of the gateway—regardless of whether a separate merchant agreement has been signed—constitutes a binding acceptance of these terms and the obligation to pay all applicable fees. Disputes and Cancellation: If you believe a charge was made in error, please contact support@costplus.io within 30 days of the billing date. You may stop using the service at any time to avoid future charges; however, any past usage remains billable. ## 28. USAGE TRACKING AND LEGAL ACCEPTANCE For security, operational, and legal purposes, Cost+ may log system events related to your usage of the Gateway Services, including but not limited to plugin activations, API requests, payment transactions, and metadata related to your integration (e.g., IP address, store domain, timestamp). These logs may be used to verify usage, enforce billing, and confirm acceptance of our Terms of Service. By continuing to use Cost+’s services—either directly or through a third-party integration such as a plugin, module, or connected application—you acknowledge that such usage constitutes binding acceptance of our Terms, including applicable fees. ## 29. NO VENDOR LOCK-IN Cost+ does not require merchants to commit to a minimum term, exclusivity agreement, or any form of contractual lock-in. You may stop using our services at any time, for any reason, without penalty, and without the need to provide prior notice. You are free to remove Cost+ from your website, checkout flow, or systems at your discretion. All billing is based solely on actual usage prior to discontinuation, and no further charges will apply once our services are no longer in use. ## 30. DATA PROCESSING AGREEMENT AND PROTECTION OF CUSTOMER PERSONAL DATA Where you use the Service to process personal data of individuals who are resident in the European Economic Area, the United Kingdom, or any other jurisdiction whose data-protection law requires a written controller-to-processor agreement, the Data Processing Agreement (DPA) published at costplus.io/dpa is hereby incorporated into these Terms of Service by reference and forms a binding part of the agreement between you and Costplus OÜ. By installing or otherwise using the Service, you are deemed to have accepted the DPA on behalf of yourself and, where applicable, your group companies and affiliates. For all personal data of your customers processed through the Service, you are the data controller and Costplus OÜ is the data processor. Costplus OÜ processes your customers' personal data only on your documented instructions, only for the purposes of providing the Service, and in accordance with the technical and organisational security measures set out in Annex 1 of the DPA. Costplus OÜ may engage sub-processors to assist with the provision of the Service. A current list of authorised sub-processors is maintained at costplus.io/dpa/sub-processors, and Costplus OÜ will notify you of any intended addition or replacement of sub-processors with at least thirty (30) days' prior notice, as set out in Section 7 of the DPA. In the event of any conflict between these Terms of Service and the DPA with respect to the processing of personal data, the DPA prevails. In the event of any conflict between the DPA and a separate written agreement signed by the parties that expressly governs data processing, the signed agreement prevails. You may request a signed copy of the DPA at any time by contacting legal@costplus.io. A signed copy is not required for the DPA to be binding; acceptance of these Terms of Service together with your installation of the Service constitutes your acceptance of the DPA. ## 31. CONTACT US In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at: Costplus OÜ Pärnu mnt. 139b Tallinn, Harju maakond 11317 Estonia Phone: (+44)330 822 4738 support@costplus.io ---