Pay-as-you-go commercial payments
PAYG accepts cards, issues invoices, and sends bank payouts for established businesses. The fee follows the successful event. A quiet month costs less. There is no platform subscription and no monthly minimum.
Sample statement
| Event | Basis | Fee |
|---|---|---|
| Card paymentsCaptured volume $186,400.00 | 2.40% | $4,473.60 |
| Card payments1,240 captured | $0.20 | $248.00 |
| Invoices issued | 86 × $0.30 | $25.80 |
| Bank payouts | 40 × $0.25 | $10.00 |
Illustrative month, using the published schedule. Your agreement sets the binding rates.
01 — Platform
Use the services you need. Each one writes to the same monthly statement, with a reference your finance team can match to the bank.
Take Visa, Mastercard, and American Express online. The percentage and the fixed fee apply only when the payment is captured. A decline, a void, and a test transaction are not billed.
Issue a payable invoice in your company’s name. The invoice fee is charged when it is sent. If the customer then pays by card, the card rate applies to that payment as a separate event.
Pay a supplier or a seller to a bank account. Each completed payout is one line. A payout that does not complete is not billed, and a change of destination needs a second approver.
Every billable event keeps its reference, amount, fee, and settlement date. At month end, export CSV for the general ledger. The statement is the bill.
02 — Published rates
Standard commercial rates in US dollars for qualified accounts. Above $1 million in monthly card volume, a written variation may apply. It is agreed before it is used.
| Event | When it is billed | Rate |
|---|---|---|
| Card payment | Captured | 2.40% + $0.20 |
| Refund | Processed | $0.20 |
| ACH debit | Collected | 0.80%, cap $5.00 |
| Invoice | Issued | $0.30 |
| Bank payout | Completed | $0.25 |
| Platform fee | Each month | $0.00 |
| Declined payment | Not billed | $0.00 |
03 — Controls
Payment services are provided under a commercial agreement. The website describes the program. It does not open an account.
Card numbers are collected in infrastructure operated to PCI DSS requirements. Your own systems are not asked to store them. Access is limited to the roles that need it.
People sign in as themselves. Changes to users, roles, and payout accounts are recorded with the actor and the time. Shared logins are not part of the program.
A new or edited payout destination waits for a second approver on the account. The control is there to make a diverted payment harder, including one requested in haste.
Test credentials and production credentials are different. Production access follows the signed agreement and the completed review. Settlement timing is one of the terms you sign.
04 — How an account opens
We work with operating companies: professional services, B2B software, wholesale, marketplaces, and field services. Tell us what you sell and what volume you expect.
Legal name, what you charge for, and a range for monthly volume.
The use case is reviewed against the commercial program before any live traffic.
Rates, settlement, reserves, and responsibilities are executed together.
Production credentials follow the signature. The first statement arrives after the first month.
The contract that authorizes the service.
The rates that will actually be billed.
PDF for the file, CSV for the ledger.
What moved, and on which date.