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.
The end of black box pricing

How IC++Works

Three components. Complete transparency.
You pay exactly what it costs—plus our margin.
Interchange
The bank's share
Set by card issuers. We pass it through at cost with zero markup.
Scheme
The network's share
Visa, Mastercard fees. Transparent and passed through exactly.
The Plus
OUR MARGIN
A flat, predictable fee. The only part we control - and it's competitive.
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 retail

Standard Payouts

Low Risk
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.

The Fair Refund Policy
Still Got Questions? We’ve Got Answers
Contact our sales team for setting up your Cost+ account and receive your first payments
Contact Sales