Pricing

Transparent, transaction-based pricing

mPay charges when a payment succeeds. No account fee, no subscription. Your card rate is set by how much you collect — and everything your referrals collect counts toward it, so the rate falls as your network grows.

Your rate

Set by your volume over the last 30 days

Over $100,00011% + $0.30
$25,000 – $100,00013% + $0.30
$5,000 – $25,00014% + $0.30
Under $5,00014% + $0.30
All crypto & Lightning5% + $0.30

Your rate improves automatically as your volume grows, including everything your referrals collect. Reviewed weekly.

mPay fee schedule
Charge	Amount
Account setup feeNo charge to access an invited account.	None
Setup feeNo onboarding or integration charge.	None
Monthly feeNo subscription. You pay only when a payment succeeds.	$0.00
Card methodsCash App, Apple Pay, Google Pay and Chime. Your band is set by the volume you and your referrals collect — see the table above.	11% – 14% + $0.30
Crypto & LightningBitcoin, Lightning, USDT, Litecoin, Solana and BNB. One rate at every volume.	5% + $0.30
Dispute / chargeback feeCharged per dispute, plus the full disputed amount is deducted. Applies whether or not the dispute is later resolved in your favour.	$30.00
Network fee (digital assets)Blockchain networks charge their own fee. Who bears it is not yet confirmed.	Settlement timing, supported assets and any withdrawal or network charges are confirmed during merchant onboarding and will be published before production launch.
Withdrawal / settlement feeContact mPay for the settlement pricing on your account.	Settlement timing, supported assets and any withdrawal or network charges are confirmed during merchant onboarding and will be published before production launch.
Refund feeWhether a processed fee is returned on refund is not yet confirmed.	Final refund eligibility, processing-fee treatment and dispute timeframes are currently under legal and operational review.

Where a value is not confirmed above, contact mPay for the exact pricing applicable to your account and selected payment methods. The exact processing fee may depend on the payment method, region, merchant profile or transaction type. Applicable pricing is presented to the merchant before payment processing begins.

Illustrative fee example

Payment amount: $100.00
Illustrative 12% processing fee: −$12.00
Illustrative remaining amount: $88.00

This example is for explanation only. Actual pricing may vary.

Pricing questions

Is there an account setup fee?

No.

Is there a monthly fee?

No. mPay does not charge a recurring subscription.

When is the processing fee charged?

On a successful payment. The fee is deducted from the payment amount, and your dashboard shows the gross amount, the fee and your net for every transaction.

Can pricing vary by payment method?

Yes. Rates are set per account and per payment method — for example a card-style wallet and a digital-asset rail can carry different rates, and some methods add a fixed per-order amount. Your dashboard shows the exact rate for each method on your account.

Are failed or refunded payments charged?

A processing fee applies to successful payments. Final refund eligibility, processing-fee treatment and dispute timeframes are currently under legal and operational review. Contact mPay for the policy applying to your account.

Are network fees included?

Digital-asset payments can incur a blockchain network fee charged by the network itself, not by mPay. Settlement timing, supported assets and any withdrawal or network charges are confirmed during merchant onboarding and will be published before production launch.

Are settlement fees separate?

Settlement timing, supported assets and any withdrawal or network charges are confirmed during merchant onboarding and will be published before production launch.

Ask about your pricing

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Service availability, supported payment methods, settlement timing and fees may vary.