PRICING
Reasonable and transparent prices for merchant accounts and chargeback prevention solutions
PAYMENT PROCESSING FEES
AltoPay offers stable, reliable payment processing that solves the industry volatility threatening your business every day. Here’s how much that costs.
EUROPE
Exact pricing depends on your business’s characteristics. Learn more.
Global processing in 100+ currencies with local settlement in all major currencies
Access to every major debit card and credit card network
Region-specific bank transfers
Region-specific digital wallets
Alternative payment methods
Local European office with expert European team
NORTH AMERICA
Exact pricing depends on your business’s characteristics. Learn more.
Global processing in 100+ currencies with local settlement in USD or CAD
Access to every major debit card and credit card network
Region-specific bank transfers
Region-specific digital wallets
Alternative payment methods
US headquarters with expert team
LATAM
Exact pricing depends on your business’s characteristics. Learn more.
Global processing in 100+ currencies with local settlement in BRL, MXN, or USD
Access to every major debit card and credit card network
Region-specific bank transfers
Region-specific digital wallets
Cash payment platforms
Alternative payment methods
Would you rather have flat-rate pricing instead of interchange+ or interchange++? No problem. We’ll build a pricing model that is a perfect fit for your unique business.
EUROPE
Exact pricing depends on your business’s characteristics. Learn more.
What’s included with your European merchant account:
Global processing in 100+ currencies with local settlement in all major currencies
Access to every major debit card and credit card network
Region-specific bank transfers
Region-specific digital wallets
Alternative payment methods
Local European office with expert European team
LATAM
Exact pricing depends on your business’s characteristics. Learn more.
What’s included with your LATAM merchant account:
Global processing in 100+ currencies with local settlement in BRL, MXN, or USD
Access to every major debit card and credit card network
Region-specific bank transfers
Region-specific digital wallets
Cash payment platforms
NORTH AMERICA
Exact pricing depends on your business’s characteristics. Learn more.
What’s included with your U.S. or Canadian merchant account:
Global processing in 100+ currencies with local settlement in USD or CAD
Access to every major debit card and credit card network
Region-specific bank transfers
Region-specific digital wallets
Alternative payment methods
US headquarters with expert team
Would you rather have flat-rate pricing instead of interchange+ or interchange++? No problem. We’ll build a pricing model that is a perfect fit for your unique business.
Payment processing fees are influenced by a variety of factors. And unfortunately, some of those variables are outside of our control. Meaning, we’ll do our very best to get you the absolute lowest rates possible, but some fees are unavoidable. Here’s what could influence pricing the most.
Fraud and chargebacks
Your fraud and chargeback rates can heavily influence pricing. If you want lower processing fees, try to reduce fraud and chargeback activity. These chargeback prevention solutions can help.
Region
Government regulations, card scheme rules, and consumer preferences can vary by region. Therefore, processing fees often fluctuate depending on where your acquiring bank is located.
Volume
High volume can be both a blessing and a curse. If you process a lot of transactions but don’t have the appropriate fraud mitigation strategy, you run the risk of receiving a high percentage of disputes. But if your business is well equipped to manage risk, then high volume might warrant a price reduction.
Billing model
Some billing models generate more chargebacks than others — like subscriptions and free trials. And higher risk means higher fees. Switching to a less risky billing model — like one-time or straight sales — can help improve processing rates.
CHARGEBACK PREVENTION FEES
Now, more than ever before, it is absolutely essential to reduce the risk of chargebacks. And AltoPay has everything you need to create an effective prevention strategy.
Order Insight
Send order information to issuing banks in real time to clarify customer confusion. Help “talk off” disputes before they escalate to chargebacks and impact your VAMP ratio.
Exact pricing depends on your business’s characteristics. Learn more.
Visa CE 3.0
Match the current dispute to previously undisputed transactions to block friendly fraud attempts and protect your VAMP ratio.
Exact pricing depends on your business’s characteristics. Learn more.
TC40 data
Be notified when a Visa transaction has been classified as fraud. Accurately monitor your VAMP ratio in real time.
Exact pricing depends on your business’s characteristics. Learn more.
Rapid Dispute Resolution (RDR)
Automatically refund disputed transactions and stop chargebacks from happening. Instantly lower your VAMP ratio.
Exact pricing depends on your business’s characteristics. Learn more.
Prevention alerts
Receive advance warning when transactions are disputed and resolve issues without chargebacks. Protect both your Mastercard chargeback ratio and your VAMP ratio.
Exact pricing depends on your business’s characteristics. Learn more.
Order Insight
Send order information to issuing banks in real time to clarify customer confusion. Help “talk off” disputes before they escalate to chargebacks and impact your VAMP ratio.
Exact pricing depends on your business’s characteristics. Learn more.
Visa CE 3.0
Match the current dispute to previously undisputed transactions to block friendly fraud attempts and protect your VAMP ratio.
Exact pricing depends on your business’s characteristics. Learn more.
TC40 data
Be notified when a Visa transaction has been classified as fraud. Accurately monitor your VAMP ratio in real time.
Exact pricing depends on your business’s characteristics. Learn more.
Rapid Dispute Resolution (RDR)
Automatically refund disputed transactions and stop chargebacks from happening. Instantly lower your VAMP ratio.
Exact pricing depends on your business’s characteristics. Learn more.
Prevention alerts
Receive advance warning when transactions are disputed and resolve issues without chargebacks. Protect both your Mastercard chargeback ratio and your VAMP ratio.
Exact pricing depends on your business’s characteristics. Learn more.
Pricing for chargeback prevention solutions can vary from one business to another. Fees are set by the vendor (Ethoca, Verifi, Visa, etc.) and there isn’t much flexibility. However, AltoPay is committed to securing the best possible pricing for your business.
Volume
We can usually lower prices for merchants with high transaction volume.
MCC
Businesses with standard MCCs typically have lower rates than high-risk MCCs
Bundle and save
The more solutions you use, the less you’ll pay for each individual tool.
Price match
For qualified merchants, we can match competitor pricing.
TRUTHFUL & HONEST
Other solution providers are more interested in creating new revenue streams than protecting your bottom line. But at AltoPay, we are focused on achieving stable, reliable payment processing. We want to come alongside you as you build a growing, thriving business. And that won’t happen if a solution provider is putting their own interest ahead of yours.
Here’s a pricing promise you can trust.
Payment Processing
We promise your merchant account will be a perfect fit for your business and you’ll be able to hit the ground running on day one. We will never give a quick, fake “approval” just to win your business. Instead, we’ll complete a detailed underwriting process, get to know your unique business, and do all we can to ensure your endeavor is successful.
Chargeback Prevention
We promise to help optimise ROI on any AltoPay solution you use. If your solutions aren’t working the way they should, we’ll implement our performance guarantee. We won’t weigh your business down with solutions you don’t need, overinflated pricing, set impossible-to-reach minimums, or force contracts you can’t get out of. Your success is our top priority.
TIPS AND ADVICE
Want the best pricing for your merchant accounts and chargeback prevention? Here are some important dos and don’ts.
Dos
Don’ts
TIPS AND ADVICE
Want the best pricing for your merchant accounts and chargeback prevention? Here are some important dos and don’ts.
Dos
Don’ts
FAQ
Check out our answers to some of the most commonly asked pricing questions.
With flat rate pricing, you pay a set amount for all transactions. Interchange+ and interchange++ pricing fluctuates from one transaction to the next. Flat rate pricing is simpler and easier to understand. But interchange-based pricing is more transparent and usually cheaper.
Check our pricing guide for a complete explanation.
Unless specifically outlined in your merchant agreement, your processing rate won’t change. Your acquirer may add or change other fees — like your chargeback fee or reserve amount — as outlined in your merchant agreement.
If pricing changes or fees are added, you’ll receive an email from our team.
Possibly — depending on where your business is located and where you are selling. We try to route transactions through local banks so you have the best pricing possible.
Unfortunately, yes. Card brands (Mastercard, Visa, etc.) have classified certain MCCs as high risk. Businesses with these high-risk MCCs pay more in interchange. They may also pay more in acquirer fees too.
You should be able to. The only exception would be if your local currency is not a common currency for our acquiring banks. But we do our best to accommodate settlement currency requests.
The best way to compare pricing is to calculate the effective processing rate for each of your prospective providers. Our guide explains how to do that.
Yes! Our goal is always to help you optimise ROI and enjoy reliable payment processing. As your business grows and evolves, we’ll make sure your processing keeps pace with the changes.
We do offer multi-solution discounts. Usually, the more solutions you use, the better the pricing.
The old expression, “you get what you pay for,” is true.
There are solution providers with super “low” pricing. But here’s what that comes with:
Ultimately, you’ll pay a little less for each individual alert, but you’ll get way more alerts than you should.
No! Not only are there no integration fees, generally there is little to no integration work that needs to be done! Just provide us with some information about your business, and we can get you up and running in as little as 24 hours.
You’ll get one invoice. If you use multiple solutions, we’ll consolidate everything into one amount.
Absolutely! AltoPay doesn’t have long-term contracts. Try something. And if it doesn’t work, we’ll turn it off.
If you are concerned that a solution isn’t working as expected, our team is happy to help improve your results. We can meet and review your strategy, providing advice and suggested updates.
LEARN MORE
Want to find out how much your business would pay for AltoPay solutions? Let’s create a custom quote in three easy steps.
1
Complete our short online form, and tell us about your business.
2
We’ll launch the underwriting process, pre-approve the account, and submit your application to one of our sponsor acquiring banks.
3
We’ll create a pricing quote for the solutions that are a good fit for your business.
We support online businesses who are frustrated by payment complexities, assisting them with value-added solutions that increase revenue and decrease costs.
Toll Free: 888-372-0585
Miami: 305-672-8363
Amsterdam: +31 (0) 20-808-5181
Fax: 305-532-8702
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