Platform fee + bps on volume.
No hidden charges.
PayNestio's model is a monthly platform access fee plus basis points on processed GMV — the same structure used across the PayFac-as-a-Service market. Your platform earns an earn-rate on top of that cost; the margin between your take-rate and our bps floor is your payment revenue. No setup fees, no per-sub-merchant monthly charges on Starter or Growth.
For vertical SaaS platforms starting payment monetization. Up to $500K GMV/month and 50 active sub-merchants. Month-to-month.
- Up to $500K GMV/month
- Up to 50 active sub-merchants
- Split settlement engine (2-party)
- KYC/KYB onboarding flows
- 1099-K tracking & filing
- Webhook event stream
- Sandbox environment
- Email support
For platforms scaling payment volume past $500K/month. Multi-party settlement, instant disbursements, advanced AML controls, and a dedicated customer success manager.
- $500K–$5M GMV/month
- Up to 500 active sub-merchants
- Everything in Starter
- Instant payout (T+0) option
- Payout velocity controls
- Advanced AML monitoring
- Custom split rule engine
- Priority Slack support
For platforms processing above $5M/month GMV or requiring custom BIN sponsorship arrangements, dedicated compliance support, or bespoke SLA terms. Contact us — we scope custom deals within three business days.
- Unlimited GMV & sub-merchants
- Everything in Growth
- Custom bps negotiated
- Dedicated implementation
- Custom KYC risk rules
- SLA commitments
- Full white-label branding
- Dedicated account manager
Platform fee + bps — aligned with your growth
The monthly platform fee covers your access to PayNestio's infrastructure: the REST API, KYC/KYB onboarding engine, split settlement routing, ACH disbursement rails, 1099-K automation, chargeback management tooling, and compliance dashboard. As your GMV grows, you pay basis points on processed volume — proportional to the payment revenue your platform is generating.
On Growth at 12 bps: process $1M GMV in a month, your PayNestio cost is $1,200 volume fee plus the $799 platform fee — $1,999 total. If your platform's earn-rate on that GMV is 50 bps, you're generating $5,000 in payment revenue on $1,999 cost. The bps you charge your sub-merchants is independent of what you pay PayNestio — you retain the margin between your take-rate and our cost basis. PayNestio is not a bank; we do not hold your platform's funds or your sub-merchants' funds between settlement events.
Pricing FAQ
Processed volume is the gross payment amount flowing through PayNestio's settlement engine — the total customer-facing charge before any splits. If a $500 job routes $450 to the technician and $50 to the platform, the processed volume is $500. The bps fee applies to that $500.
Starter and Growth are month-to-month with no setup fees. Enterprise agreements typically include annual terms negotiated on a case-by-case basis. You can start on Starter and upgrade to Growth as your volume grows — migrations are handled by our team with no downtime.
We'll contact you proactively when you're approaching a tier limit and work with you on an upgrade timeline. There are no hard cutoffs or service interruptions — we coordinate the transition ahead of time so there's no operational disruption to your platform.
Yes. The sandbox mirrors production APIs, split routing logic, KYC flows, webhook schemas, and 1099-K tracking. You can build and test your full integration — including edge cases like split overrides and KYC rejection handling — before going live.
PayNestio tracks all sub-merchant payment volumes automatically throughout the year. In Q4, the system generates 1099-K forms for each sub-merchant exceeding IRS thresholds and files electronically with the IRS on your platform's behalf. Your ops team reviews a summary dashboard — no manual data pulls required.
On Growth and Enterprise, your platform can define custom earn-rate logic per sub-merchant category, job type, or volume tier. The bps you charge your sub-merchants is independent of what you pay PayNestio — you keep the margin between your earn-rate and our cost basis.
PayNestio operates on an interchange-plus pricing model. The bps fee you pay PayNestio (20 bps on Starter, 12 bps on Growth) is our platform margin on top of underlying interchange and card network fees. Your settlement reports show gross transaction amount, interchange cost, PayNestio margin, and your platform's net in separate line items — so your finance team has full visibility into payment economics per transaction. ACH transactions have fixed per-transaction costs rather than interchange-based fees.
Under PayNestio's payment facilitation model, chargeback liability flows to the platform as the payment facilitator sponsor. PayNestio's chargeback management tooling surfaces incoming disputes with response deadlines and supporting documentation to help you contest retrievals before they escalate to formal chargebacks. Platforms can configure sub-merchant reserve requirements and rolling reserve holdbacks to offset chargeback exposure. Enterprise agreements can include dedicated chargeback management support and custom reserve structures. PayNestio does not absorb chargeback losses on your platform's behalf.
Yes. When card payment capture uses PayNestio's hosted fields or iFrame components, cardholder data does not touch your platform's servers — reducing your PCI DSS scope to SAQ A for card-not-present flows. Your platform never handles, stores, or transmits primary account numbers (PAN). If you build a custom card capture form that does touch cardholder data directly, your PCI scope expands accordingly. PayNestio does not provide PCI compliance consulting — consult a Qualified Security Assessor (QSA) for your specific architecture.
Start on Starter, scale to Growth
Talk to our team about your platform's GMV profile and we'll recommend the right tier.