Understand what you’ll receive
Percentage-based pricing agreed per merchant. Estimate fees, reserve and payout below.
Fees & settlement calculator
Example assumptions The values below are editable samples, not an offer. Enter the rate and reserve from your Payixay proposal.
Estimate only. Reserve is calculated on volume after fees and is released after the holding period, it is not a fee. Excludes refunds, chargebacks and conversion costs. Negotiated pricing is set in your merchant agreement.
One processing rate, the full platform
Card acceptance
Hosted checkout and API, 3-D Secure, tokenisation and multi-currency acceptance.
Dashboard & reporting
Real-time transactions, refunds, exports and settlement statements.
Risk & fraud tools
Velocity rules, risk scoring, blocklists and ongoing monitoring by our team.
USD or USDT settlement
Choose how you are paid on each cycle, with clear statements.
Integration support
Sandbox access and help from our team until you are live.
Human support
Talk to people who know your account: email 24/7, phone and WhatsApp Mon to Fri, 9:00 to 18:00 EAT.
USD ⇄ USDT converter
Indicative conversion between USD, EUR or GBP and USDT (TRC-20).
USD, EUR and GBP ⇄ USDT (TRC-20). This is an indicative estimate based on a market reference rate, not a quote. Your firm rate and any fee are confirmed before you transact.
Pricing questions
How is Payixay priced?
Payixay charges a percentage of processed card volume (the merchant discount rate, or MDR). Your rate depends on your business model, monthly volume, average order value, card mix and risk profile, and is agreed in your merchant agreement.
What is a rolling reserve?
A rolling reserve is a small percentage of each day’s processing that is held for an agreed period to cover potential refunds and chargebacks. Each day’s reserve is released back to you automatically when its holding period ends.
When do I receive my money?
Settlements are made on the cycle agreed in your merchant agreement, net of fees and any rolling reserve, in USD to your bank account or in USDT (TRC-20) to your designated wallet, with a statement for every payout.
Are there hidden fees?
No. Every fee that applies to your account is listed in your merchant agreement before you sign, and itemised on your settlement statements.
Can I change between USD and USDT settlement?
Yes. Tell our team which currency you want for each settlement cycle and we will settle accordingly, subject to your agreement.
Get a quote tailored to your business
Share your volumes and business model, and we will send a clear proposal with your processing rate, rolling reserve and settlement terms.