Pricing strategy

Low-fee checkout. Premium confidential settlement.

Start free at 0.50% per successful checkout. Upgrade to reduce the rate and unlock heavier billing, payout, and confidential settlement workflows.

Free default

Start free with a 0.50% take rate.

No monthly fee until the merchant has volume. Paid plans buy down the checkout rate.

0.50%

Free checkout

0.25%

Growth checkout

+15 bps

Confidential add-on

No fee on expired or unpaid checkouts.

Gas, bridge, ramp, and bank fees pass through at cost.

Confidential checkout is priced as a premium capability.

Plans for merchant maturity

Free starts the integration. Growth and Enterprise reduce fees as volume and workflow complexity increase.

Free

FreeSelf-serve

Start without a monthly fee.

0.50%

$0/ month

No monthly fee

Hosted checkout

Project API key

Signed webhooks

Recommended

GrowthPriority integration support

Lower rate for active merchants.

0.25%

$99/ month

Lower checkout fee

Billing workflows

Webhook diagnostics

Confidential add-on at +15 bps

Scale

EnterprisePrivate support channel

Custom terms for volume and compliance.

Custom

Volume pricing

Dedicated settlement policy

Confidential checkout package

Custom compliance review

Workload pricing

Complete fee schedule

Checkout, billing, payouts, ramps, and privacy each carry a separate workload price.

Product	ZamaPay fee	Settlement	Policy
Hosted checkout / dynamic QR	0.50% Free / 0.25% Growth	Instant balance; hourly withdrawal	Free has no monthly fee; paid plans lower the rate.
Static QR / POS	0.50% Free / 0.25% Growth	Instant receipt; daily settlement	Store volume can buy down the plan rate.
Invoice / B2B billing	0.55%	T+0/T+1 merchant balance	Receivables, retries, and reconciliation.
Subscription billing	0.65%	Balance renewal with recovery	Renewals, grace periods, and dunning.
Batch payout / payroll	0.10% + gas	Hourly or daily batches	Approval, retry, and audit trail.
Fiat on/off-ramp	Partner cost + 0.35%	Partner fiat timing	Card, bank, KYC, and fraud costs pass through.
Confidential checkout	+15 bps	Same rail; encrypted state	Encrypted amount checks and selective disclosure.

Hosted checkout / dynamic QR

0.50% Free / 0.25% Growth

Instant balance; hourly withdrawal

Free has no monthly fee; paid plans lower the rate.

Static QR / POS

0.50% Free / 0.25% Growth

Instant receipt; daily settlement

Store volume can buy down the plan rate.

Invoice / B2B billing

0.55%

T+0/T+1 merchant balance

Receivables, retries, and reconciliation.

Subscription billing

0.65%

Balance renewal with recovery

Renewals, grace periods, and dunning.

Batch payout / payroll

0.10% + gas

Hourly or daily batches

Approval, retry, and audit trail.

Fiat on/off-ramp

Partner cost + 0.35%

Partner fiat timing

Card, bank, KYC, and fraud costs pass through.

Confidential checkout

+15 bps

Same rail; encrypted state

Encrypted amount checks and selective disclosure.

Start free at 0.50% per successful checkout.

Upgrade when checkout volume, webhook operations, or confidential settlement justifies a lower rate.