Pricing

Simple, transparent pricing

No setup fees. No hidden charges. Only pay for what you process. All plans include access to the full Paynectra dashboard, API keys, webhooks, and developer documentation.

Payment Gateway

Gateway & Card Processing

Accept Visa, Mastercard, Amex, and 50+ local payment methods. Plans scale with your monthly volume.

Starter
Perfect for new merchants and businesses just getting started with online payments.
2.5%+ £0.20 / txn
No monthly fee · No setup fee
  • Visa, Mastercard, Amex, Discover
  • Apple Pay & Google Pay
  • Hosted payment page
  • Payment links & invoicing
  • Real-time dashboard & reports
  • T+3 settlement
  • Email support
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Most Popular
Business
For growing businesses that need lower rates, faster payouts, and priority support.
1.8%+ £0.15 / txn
£99 / month platform fee
  • Everything in Starter
  • Full API + SDK access
  • Recurring & subscription billing
  • T+1 or T+2 settlement
  • Multi-currency settlement (35+)
  • Chargeback alerts (Verifi & Ethoca)
  • Priority phone & chat support
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Enterprise
Custom rates and dedicated infrastructure for high-volume and high-risk merchants.
Custom
Volume-based rates · No minimums
  • Everything in Business
  • High-risk merchant accounts
  • Same-day settlement available
  • Dedicated account manager
  • Custom fraud rules & risk engine
  • SLA-backed 1-hour support
  • White-label options available
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All rates shown are indicative. Final rates depend on your industry, processing volume, and chargeback history. Contact our team for a personalised quote. High-risk merchants will receive a custom rate card from their dedicated account manager.

UPI Collection

UPI & India Payments

Collect payments via UPI, IMPS, NEFT, and RTGS. Built for Indian merchants and businesses serving Indian customers from around the world.

Payment Method Transaction Fee Settlement Notes
UPI (all apps) 0.5% + ₹2 T+1 PhonePe, GPay, Paytm, BHIM, all UPI handles
UPI AutoPay 0.8% + ₹2 T+1 Recurring mandates — ideal for subscriptions
IMPS ₹8 flat Instant 24×7, up to ₹5 lakh per transaction
NEFT ₹4 flat Same day Bank holidays excluded
Netbanking 1.2% + ₹4 T+2 50+ Indian banks supported
Wallets (Paytm, etc.) 1.0% + ₹3 T+1 Subject to wallet balance limits
Get UPI Rates
Payouts

Payout & Disbursement Pricing

Send funds to bank accounts, UPI handles, wallets, and crypto addresses worldwide. Transparent per-transfer pricing with no monthly minimums.

Payout Method Fee Per Transfer Speed Availability
UK Bank Transfer (Faster Payments) £0.20 flat Instant 24×7
SEPA Credit Transfer €0.30 flat 1 business day Mon–Fri (banking hours)
SWIFT / International Wire $5.00 flat 1–3 business days 180+ countries
UPI Payout ₹3 flat Instant 24×7
Crypto Payout (BTC/ETH/USDT) 0.5% (min $2) Network dependent 24×7
ACH (US) $0.25 flat 1–2 business days Mon–Fri
Enquire About Payouts Learn More →
Common Questions

Pricing FAQs

No. The Starter plan has zero setup fee and zero monthly fee — you only pay per successful transaction. The Business plan has a monthly platform fee that is offset by significantly lower per-transaction rates at volumes above £30,000/month. Enterprise pricing is fully custom. There are no hidden fees; all charges are itemised in your monthly statement.
Yes, you can upgrade your plan at any time with no penalty. Your account manager will reach out proactively when your volume qualifies for better rates. Downgrades take effect at the end of the current billing month.
An additional cross-border fee of 0.5% applies to cards issued outside your merchant's home country. Currency conversion (DCC) is handled at interbank-plus-1% rates when you settle in a different currency from the card currency. All FX fees are disclosed in your dashboard before settlement.
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Ready to get started?

Apply for your merchant account today. Get approved in 48 hours with no setup fee required.

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