RizkPay

Pricing

Transparent IC++ pricing. No hidden fees.

Rizk Pay quotes interchange plus a fixed markup. You see exactly what the card schemes charge and exactly what Rizk Pay adds, itemised on every statement.

How IC++ works

Three lines. One total. No blending.

Blended pricing hides the true cost of processing. IC++ shows every line so you can see what is scheme cost and what is provider margin.

IC

Interchange

Paid to the issuing bank

Set by Visa and Mastercard by card type, region, and merchant category. Non-negotiable.

+

Scheme fees

Paid to Visa and Mastercard

Assessment and network fees the card schemes charge for routing the transaction.

+

Rizk Pay markup

Paid to Rizk Pay

One transparent number for acquiring, risk, fraud tooling, and support. Fixed at underwriting.

Worked example

A $100.00 card payment, broken down.

Illustrative, final pricing set at underwriting
  • Transaction amount
    Customer pays
    $100.00
  • Interchange
    Issuing bank
    -$1.80
  • Scheme fees
    Visa / Mastercard
    -$0.11
  • Rizk Pay markup
    Fixed at underwriting
    -$0.90
  • Total cost of acceptance
    2.81% of transaction
    $2.81

Fee schedule

Indicative ranges. Real numbers set at underwriting.

Every fee below is disclosed in writing before you sign an MSA. Ranges reflect industry, model, and processing history.

  • Setup fee

    Covers integration support and underwriting review. Waived for many merchants after commercial review.

    $0 to $500
    Typical range

  • Monthly fee

    Platform access, gateway, reporting, and account manager. No minimum monthly processing volume.

    From $49
    From

  • Transaction markup

    Rizk Pay's fixed markup on top of interchange and scheme fees. Exact rate set at underwriting by risk profile and volume.

    From 1.5% + $0.30
    From, plus IC++

  • Chargeback fee

    Applied when a dispute is raised, whether won or lost. Covers scheme handling costs and evidence workflow.

    $25 to $40
    Per case

  • Rolling reserve

    Percentage of processed volume held to cover refunds and chargebacks. Reviewed for reduction after 6 months of clean processing.

    5% to 10%
    Typical range, held 90 to 180 days

  • Payout schedule

    Settlement cadence set at underwriting based on risk profile. T+1 available for eligible merchants.

    T+1 to T+7
    Typical range

Estimate calculator

See an indicative monthly cost.

Move the slider to your monthly card volume and enter your average ticket. The output is an all-in estimate covering markup, interchange, scheme fees, and platform fee.

Indicative monthly cost

$6,399to$10,333

All-in estimate. Includes IC++ blend, platform fee, and per-transaction cost.

This is an estimate for planning. Your rate is set at underwriting based on industry, processing history, ticket profile, and chargeback ratio. Final numbers will be lower or higher.

Get an indicative quote

No hidden fees guarantee

Every fee is disclosed in writing before you sign.

No sneak rate rises. Any change requires 30 days' notice and written justification.

Reserves reviewed for reduction after 6 months of clean processing.

Pricing FAQ

Answers to the questions we get most about cost.

High-risk merchants have higher chargeback exposure and require specialist acquiring, active monitoring, and reserves that cover potential refunds. Generalist processors price for low-risk retail and decline high-risk models outright. Rizk Pay prices for the actual risk of your vertical, itemised so you can see where every cent goes.

A percentage of processed volume (typically 5% to 10%) held for a defined period (typically 90 to 180 days) to cover refunds and chargebacks that arrive after settlement. The reserve is your money. It is released on schedule and reviewed for reduction after 6 months of clean processing.

Yes. Rates are reviewed after 6 months of processing history with Rizk Pay. Merchants with stable volume, low chargeback ratios, and clean underwriting reviews commonly move to lower markup and reduced reserves.

No termination fees for merchants on standard terms. You keep your reserve balance released on the original schedule. Bespoke commercial terms (for example volume commitments) may include break clauses, always disclosed in the MSA before signing.

See the numbers on your own volume.

A specialist will send an indicative quote after a short underwriting review.

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