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Clear, transparent pricing...

Process credit card payments from your website or app

Interchange++ Rate


The starting rate of our mark up plus the fees applied by the card schemes and transaction costs*

High Risk


High Risk pricing is based on various factors. Please contact us for more information.

How is pricing calculated?

What is interchange fees?

Interchange fees are transaction fees that the merchant’s bank account must pay whenever a customer uses a credit/debit card to make a purchase from their store. The fees are paid to the card-issuing bank to cover handling costs, fraud and bad debt costs and the risk involved in approving the payment.

Why factors increase pricing?

Various factors with influence then pricing of a merchant account. The applications process involves assessing the business model, the risk involved when accepting transactions and the applicants status.

What can reduce pricing?

If you are are an existing merchant and would like to lower your transaction costs, we can help, especially if you managed the account well and have positive processing history.

What is a payment gateway?

A payment gateway is a secure interface between the cardholder, your website and the Acquiring bank. Using a process called tokenisation, a payment gateway will transmit sensitive card details securely using data encryption.

Is your payment gateway free?

Yes, usually there is no change for using our payment gateway. Some high risk merchants may be required to pay additional fees for our fraud management tools and features.

How is High Risk pricing calculated?

Certain industries have high rates of chargebacks and therefore create more risk for the Acquiring Bank when offering card processing facilities. It often requires more fraud monitoring tools and therefore the fee, can in some case be higher than low risk industries.

What are High Risk industries?

The main high risk industries are Adult Entertainment, Gambling, CBD products, Vaping and eCigarettes and certain start up business sectors. In some cases businesses may not be considered high risk. Please contact our business support team for more information.

Powerful features

PDQ Transactions

For any face-to-face card transaction, a PDQ device is required in order to authenticate the transaction using the cardholders PIN. CardPayGo is able to supply a wide range of PDQ terminal devices,

Payment Modules

To help our merchants integrate with our Payment Gateway we have taken the time to create plugins for various systems, these are provided as is under a GPL licence.

Fraud Management

Customisable fraud management tools that provide the Merchant with the ability to dictate the levels to which the Merchant’s account will automatically check transaction authenticity.

Hosted Forms

With the hosted form method, your user is passed to the CardPayGo Payment Gateway where they then enter their card details and receive a response for the transaction, before being re-directed back to your website.

Referral Program

CardPayGo have one of the most rewarding and generous referrer partnerships around. As a referrer of our payment gateway solution, you have the ability to provide your clients with a competitive value for money Payment Gateway package.

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