Before choosing a payment gateway in Pakistan, almost every business asks the same question: how much will it cost me? The honest answer is that there is no single price that suits everyone. A shop that processes ten orders a month and a platform that processes ten thousand are very different customers, and a fair gateway prices them differently.
This guide explains how payment gateway charges are usually built, what pushes your rate up or down, and how ZurvaPay pricing works: it depends on your volume and is set for your merchant account.
- What you actually pay for
- Why your volume decides the rate
- Other things that change your rate
- How ZurvaPay pricing works
- Pricing for sub-merchants and agents
- Questions to ask any gateway about hidden costs
- How to get a lower rate
- FAQ
What you actually pay for
A payment gateway does more than move numbers. When you pay a transaction charge you are paying for the hosted checkout your customers see, the connection to the payment methods, the signed confirmation sent to your server, the automatic recovery of payments that were paid but showed an error, fraud checks, and a team you can reach when something goes wrong.
Most gateways take a small percentage of each successful payment. Some add a fixed amount per transaction. Always confirm whether the charge is taken from the customer amount or added on top, because that changes what you receive.
Why your volume decides the rate
Volume is the single biggest factor. The more you process each month, the lower the percentage you can usually negotiate, because the fixed cost of supporting your account is spread over more transactions. This is how almost every payment company in the world prices, and it is the model ZurvaPay follows.
- Starting out: a small business with modest monthly sales gets a standard rate for its size.
- Growing: as your monthly volume grows, you can ask for a better rate.
- High volume: large merchants and platforms are priced individually.
Other things that change your rate
- Average order value. Many small payments and a few large payments cost a gateway different amounts to handle.
- Type of business. Digital services, physical goods and subscriptions carry different levels of risk.
- Refund and dispute history. Clean, well-run businesses are easier to price.
- Verification. A fully verified account with a clear website or app and complete KYC is treated as lower risk.
- How you integrate. One account for one website is simple; a platform with many clients may be set up with sub-merchants.
How ZurvaPay pricing works
At ZurvaPay the charge is configured per merchant account. After you register and your business is approved, the rate that applies to your account is shown for your merchant account, and every payment record shows the charge that was applied to it. There is no need to guess from a public table that may not match your business.
- Create your account. Registration is online and free to start.
- Complete KYC. We review your identity and your website, app or bot.
- Get your rate. Your approved account carries its own charge.
- Grow and review. If your monthly volume increases, contact us and ask for your rate to be reviewed.
We would rather give you an accurate rate for your real volume than advertise one low number that few merchants actually receive.
Pricing for sub-merchants and agents
If you run several websites or serve clients, a sub-merchant setup lets each website carry its own settings under your verified account. Agents who refer businesses earn a commission that depends on the volume of the merchants they bring; see the agent program guide.
Questions to ask any gateway about hidden costs
- Is there a setup fee, monthly fee or minimum volume requirement?
- Is the charge deducted from the payment or added to the customer total?
- Are there separate fees for withdrawals to your bank account?
- What happens to the charge on a refunded or cancelled payment?
- Can the rate be reviewed as your volume grows, and who do you ask?
Ask these before you integrate, not after your first settlement.
How to get a lower rate
- Show real, steady monthly volume rather than a forecast.
- Keep your KYC complete and your website or app details accurate.
- Keep failed and disputed payments low by using clear product descriptions at checkout.
- Consolidate your sales on one account where it makes sense.
- Contact support when your volume has clearly moved to a new level.
Frequently asked questions
How much does ZurvaPay charge?
The charge depends on your business and your volume and is configured per merchant account. Create an account or contact us to see the rate that applies to you.
Is there a setup fee?
Registration is free. For any charges that apply to your specific account, check the rate shown on your merchant account or ask our team before you go live.
Can I get a better rate if my sales grow?
Yes. Rates are reviewed against volume. Contact support when your monthly volume increases.
Where can I see the charge on each payment?
Each payment record carries the charge that was applied to it, and the same value is included in the payment notification sent to your server.
Do sub-merchants have different pricing?
Sub-merchants run under your verified account and follow the setup agreed for your account. Contact us if you manage many websites and want to discuss it.
Get your rate
Open a ZurvaPay merchant account or contact us and we will help you get started.
Related guides
Start accepting payments with ZurvaPay
Open a merchant account, connect your website with one API and get notified the moment a customer pays.