Earn on every payment

Turn your platform's payment flow into a high-margin revenue stream

Getpaid is for platforms, not end merchants. Use Getpaid's flexible billing to decide exactly how much you charge your merchants per payment, by method, region, or tier, and earn the spread. AI-powered reporting surfaces optimisation opportunities you'd never spot manually.

Pricing controls

Configure merchant pricing with unmatched granularity

Payments is not a one-size-fits-all business. Set sell prices per payment method, merchant tier, or region and earn the spread between your cost and what you charge.

  • Set a sell price per payment method. You keep the margin
  • Flexible fee structures: percentage, fixed, tiered, blended, or mixed
  • Configure fees per sub-merchant, tier, end-customer, or region
  • Decide who pays the fee: you, your merchant, or shared
  • Individual payment method on/off per merchant
  • Customisable risk levels per merchant and transaction size

Example customer · Pricing model 1

Your sell price and your margin, by payment method

Card (EU)

Visa, Mastercard, Amex

1.80%

sell price

~0.80%

your margin

SEPA Direct Debit

Bank debit, recurring

€0.40

sell price

~€0.25

your margin

Bank Transfer

SWIFT, local rails

€0.50

sell price

~€0.20

your margin

Digital Wallet

Apple Pay, Google Pay, Wero

2.00%

sell price

~1.10%

your margin

Bizum Spain

Spanish mobile payment

€0.30

sell price

~€0.15

your margin

Estimated monthly platform margin

Example: €500,000 monthly volume, card- and wallet-weighted mix

€4,500

Optimise every transaction type

Most payment providers treat all transactions the same. Getpaid lets you configure pricing rules per transaction size, type, and payment method so every payment is profitable, whether it's a €0.05 API credit or a €50,000 B2B invoice.

  • Micropayments: Batch aggregate sub-€1 transactions into a single SEPA settlement to eliminate per-transaction fees and make tiny payments profitable.
  • Large B2B payments: Route high-value invoices to bank transfer (fixed fee €0.50) instead of card (percentage fee), turning €10,000+ payments into high-margin transactions.
  • Recurring transactions: Switch repeat customers to SEPA DD mandates after first card payment, reducing per-cycle cost by up to 70%.
  • Cross-border transactions: Route international buyers to local acquiring for better approval rates and lower interchange.

Configure minimum floor margins: automatically decline or reroute transactions that would be loss-making at the current sell price.

Per-transaction profitability: examples

TransactionAmountBest methodYour margin
Micropayment€0.50SEPA batch€0.10 flat
Subscription€49/moSEPA DD~€0.25
eCom checkout€234Card (EU)~€1.87
B2B invoice€12,500Bank transfer~€0.20 fixed
Large B2B PO€50,000Bank transfer~€0.50 fixed
Key insight: Routing a €50,000 B2B payment to bank transfer (€0.50 fixed fee) instead of card (~€500 at 1%) saves your merchant €499.50 while keeping your €0.20 platform margin. Everyone wins.

Payment pricing optimisation

AI-powered pricing optimisation: find the right mix

Your pricing strategy isn't set in stone. Getpaid helps you analyse your transaction mix, model alternative pricing structures, and shift strategies without disrupting live merchants.

  • Analyse your current payment method mix and cost breakdown
  • Simulate tiered, blended, or cost-plus pricing on real historical data before changing live pricing
  • Model the revenue impact of steering merchants to cheaper payment methods
  • Shift from flat to tiered pricing as volume and merchant needs evolve
  • Incentivise preferred methods with dynamic discounts or surcharges
  • A/B test pricing strategies and import current-provider data to see the revenue delta instantly
Flat → TieredBlended → Cost+Method steeringMargin analysisA/B testingRevenue simulation
Open revenue calculator →

Your margin spread by payment method

Card (EU)+0.60%
Card (non-EU)+0.40%
SEPA DD+€0.25
Bank transfer+€0.20
Current, Flat rate 1.4%
all methods, same price€24.8K/mo

shift strategy ↓

Tiered by method
SEPA €0.40 · Card 1.8%€32.1K/mo ↑ 29%

See the difference

Same volume, smarter plan

Two pricing plans on an identical €2M monthly volume across 500 merchants. Optimising the payment mix, not the price your merchants see, is pure added margin.

Plan A · Flat rate (1.4%, all methods)€24,800/mo
Plan B · Optimised mix (SEPA €0.40 · card 1.8%)€32,100/mo

Plan B yields more revenue

+€7,300/month

+€87,600/year
29% more, same volume and merchants

Payment profiles

One rule set, applied by merchant, method, size, or region

Set your sell prices and routing rules once as reusable payment profiles, and Getpaid applies the right one automatically on every transaction.

By merchant

Bespoke rates and rules for a single strategic account.

By merchant group

One profile across a segment, tier, or whole portfolio of merchants.

By payment method

Price cards, SEPA, wallets, and local methods each on their own terms.

By transaction size

Batch micropayments and route large B2B invoices to low-cost rails.

By region

Local acquiring, per-country methods, and region-specific fee rules.

By tier

Volume-based pricing that scales automatically as a merchant grows.

Every payment is matched to the right profile in real time, so your margin and routing stay optimal with no manual work.