# Merchant of Record Pricing - Payments AI

Pay as you go: 2.7% + $0.30 per successful card transaction for processing. You are not the merchant of record: a registered merchant of record is the seller of record, appears on the customer's bank statement, and calculates, collects, and remits sales tax and VAT in the jurisdictions where it operates as merchant of record. Tax handling, payouts, and fraud tools are priced separately, on their own lines below.

## Terms

- Nothing up front
- Nothing monthly
- Fees listed line by line

## Fees

### Payments

Card, wallet and bank payments on one integration.

- Cards, wallets, bank debit and local methods
- Accelerated checkout for returning buyers
- Save engineering time with prebuilt UIs

#### Line items

- **Cards and wallets**: 2.7% + $0.30 — Per successful transaction for domestic cards, +1.5% for international cards, +1% for currency conversion
- **Financing**: 15% — Per successful transaction through our financing partners
- **ACH payments**: 1.5% (max $5) — Per successful ACH debit transaction

### Payouts

Choose the payout rail, and the speed you pay for.

- Local bank transfer in your own country and currency
- Crypto, Venmo, wire and local bank transfer
- Instant bank deposit where RTP is supported

#### Line items

- **Next day ACH**: $2.50 — Accelerated ACH transfer to U.S. bank accounts, delivered by the next business day.
- **Instant Bank Deposit (RTP)**: 4% + $1.00 — Real-time bank transfer to supported accounts with funds available instantly.
- **Crypto**: 5% + $1.00 — Cryptocurrency payout (e.g. Bitcoin, Ethereum) with global reach.
- **Venmo**: 5% + $1.00 — Instant payout to a recipient's Venmo wallet (U.S. recipients only).
- **Bank wire**: $23.00 — Traditional bank wire transfer (typically 1–2 business days in the US).
- **International local banks**: Varies — Local bank transfer in your country and currency (timing varies by country).

### Fraud & Security

Protect your business against fraud and disputes.

- Priced per event, not as a share of the transaction
- Flat rates for authentication, screening, disputes and alerts
- Nothing here is folded into your processing rate

#### Line items

- **3DS**: $0.03 — Fee for authenticating cards using 3D Secure to reduce fraud.
- **Radar**: $0.07 — ML-based fraud detection fee.
- **Dispute**: $15.00 — Flat fee applied when a chargeback or dispute occurs.
- **Early dispute alert (RDR)**: $29.00 — Proactive chargeback notification fee.

### Revenue Optimization

Tools to reduce payment failures and increase revenue.

- Retries, routing and invoicing that recover payments a first attempt loses
- Charged only on the transactions the tool touches
- Each tool priced on its own line

#### Line items

- **Orchestration**: 0.8% — Route payments across several providers, so one provider's outage or declines don't cost you the sale.
- **Billing**: 0.5% — Automated invoice generation, retries, and lifecycle handling.
- **Tax and remittance**: 2% — Calculate and collect sales tax and VAT at checkout, and remit it in the jurisdictions where we operate as merchant of record.

## How to get pricing

- Sign up: https://managed.payments.ai
- Page: https://www.payments.ai/mor/pricing/
- Documentation: https://docs.payments.ai