Transparent pricing,
tailored to your business.
MillPay uses a transparent, card-dependent pricing model. Your final cost depends on the card type, issuing region, network fees, and routing strategy — and is optimized continuously as your volume grows.
Pricing built for scale — not guesswork.
No “one-size-fits-all” tables. We tailor pricing based on the way your customers pay and the markets you operate in. Then we optimize it with routing, approval tuning, and risk configuration.
Card-dependent costs
Final transaction cost changes based on card type (debit/credit), issuing country, rewards level, and network category.
Clear commercial margin
We separate network costs from MillPay margin — so you understand what drives your total cost of acceptance.
Improves as you grow
Volume and routing unlock better outcomes. We continuously tune approvals and cost efficiency as scale increases.
What impacts pricing
Your pricing model is shaped by transaction mix, risk profile, and operational needs. Below are the core drivers we use to structure a proposal.
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Card mix & geography Domestic vs. cross-border, debit vs. credit, rewards tiers.
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Risk & fraud profile Industry category, dispute patterns, fraud tooling configuration.
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Routing & performance strategy Approval optimization, retries, smart routing, local acquiring.
How we quote
We provide a proposal based on your monthly volume, average ticket, markets, payment methods, and desired payout schedule.
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Commercial proposal Interchange++ or blended model, tailored to your mix.
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Scaling adjustments As volume grows, we revisit pricing to reflect scale.
Pricing models
Choose the commercial structure that fits your reporting needs, cost visibility, and operating model.
Interchange++
Best for transparency and optimization. Network costs are passed through, with a clear MillPay margin.
Blended model
A unified structure for predictable finance planning and easier reconciliation.
Custom commercial models
Built for platforms, marketplaces, multi-entity businesses, and cross-border scale.
Included with every plan
Everything you need to accept payments, manage risk, and scale across channels.
One platform to support web, mobile, POS, and omnichannel flows.
Fraud tooling, dispute support, and secure processing foundations.
Smart routing, retries, approval tuning, and analytics.
Dashboards, exports, and reconciliation-friendly data.
Pricing FAQ
Quick answers to what most teams ask before requesting a quote.
Do you publish standard rates?
We don’t use one-size pricing tables because costs are card-dependent and mix-driven. We provide a tailored quote based on your transaction profile.
What information do you need to quote?
Monthly volume, average ticket, primary markets, payment methods, and whether you need online, in-person, or both.
Can pricing improve over time?
Yes. As volume grows, we revisit your model and optimize routing and approvals to reduce total cost of acceptance.
Do you support platforms or marketplaces?
Yes. We support multi-entity structures and custom commercial models for platform-style businesses.
Get a custom pricing proposal
Tell us your markets and transaction mix — we’ll build a commercial model designed for approval lift, lower costs, and scalable operations.