Transaction Fee vs Monthly Fee: Which Payment Gateway Pricing Is Better?

Transaction Fee vs Monthly Fee: Which Payment Gateway Pricing Is Better?

Gateways charge in two common ways: a share of each successful payment, or a regular fee whatever you sell. Each fits a different stage of business.

Per-transaction pricing

You pay only when you earn. It is low-risk for new and small merchants, and costs grow with revenue.

Monthly or fixed pricing

A fixed fee can be cheaper at very high volume but is a burden when sales are slow.

Where volume comes in

With ZurvaPay, rates are set for your account and depend on monthly volume. As you grow, you can ask for a better rate. See the pricing guide.

How to choose

  • New or seasonal business: per-transaction.
  • Stable, high volume: negotiate a lower rate.
  • Always compare the total cost, not only the headline rate.

Ask before you sign

Ask about setup fees, withdrawal fees and any minimums. Get the answers in writing.

Frequently asked questions

Can my rate change later?

Yes, rates can be reviewed as your volume changes. Contact us.

Is the fee deducted from my payout?

Confirm how fees are applied on your account before going live.

Are there hidden charges?

Ask for a full list. A clear gateway will give it.

Get started

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.