Pricing

One fee per successful payment: a percentage of the gross amount, plus a fixed part in the US, rounded up once. No monthly fee, no setup fee, no minimum fee, and nothing for a payment that fails or is declined. Our fee is never more than the payment. Holding a Tuppence card does not change the price; it earns cashback.

Prices depend on where your business is. Choose your region at the top of the page. The full rate card is at tuppence.ai/pricing/rates.

Card payments

United Kingdom, GBP. Price list v3, in force from 2026-10-20.

	Fee
Consumer cards issued in the UK	0.79% per successful payment
American Express	+0.90%
Commercial (corporate) cards	+1.50%
Cards issued outside the UK	+1.70%

Only one surcharge applies to a payment, the highest. A commercial card issued outside the UK pays 0.79% + 1.70% = 2.49%.

Payments, payment links, subscriptions and credit top-ups all cost the same.

Refunds	free. The payer gets the full amount back; our original fee is not returned
Disputes	£15, only if the dispute is lost; nothing if you win
Failed or declined payments	nothing
Next-day payouts (UK), optional	+0.20% per payment, from two weeks after your first payment. See Next-day payouts

The smallest payment a card can make is 30p.

Worked examples, quoted by the engine that charges them:

Payment	Our fee	You keep
A £20 payment on a UK debit card	16p	£19.84
A £100 payment on a UK consumer card	79p	£99.21
A £100 payment on an American Express card	£1.69	£98.31
A £100 payment on a UK corporate card	£2.29	£97.71
A £100 payment on a card issued in the US	£2.49	£97.51
A £100 payment on a corporate card issued in the US	£2.49	£97.51
A 30p payment	1p	29p
A £100 payment on a UK consumer card, with next-day payouts on	99p	£99.01

United States, USD. Price list v2, in force from 2026-09-24.

	Fee
Cards issued in the US: consumer, commercial and American Express	2.49% + 20¢ per successful payment
Cards issued outside the US	+1.50%

Payments, payment links, subscriptions and credit top-ups all cost the same.

Refunds	free. The payer gets the full amount back; our original fee is not returned
Disputes	$15, only if the dispute is lost; nothing if you win
Failed or declined payments	nothing

The smallest payment a card can make is 50¢.

Worked examples, quoted by the engine that charges them:

Payment	Our fee	You keep
A $20 payment on a US card	70¢	$19.30
A $100 payment on a US card, including American Express and corporate	$2.69	$97.31
A $100 payment on a card issued outside the US	$4.19	$95.81
A 50¢ payment	22¢	28¢

Europe, EUR. Price list v1, in force from 2026-10-20.

Note

The EEA price list is in test mode. Test payments use it today; live EUR payments open once it is confirmed.

	Fee
Consumer cards issued in the EEA	0.90% per successful payment
American Express	+0.90%
Commercial (corporate) cards	+1.50%
Cards issued outside the EEA	+1.70%

Only one surcharge applies to a payment, the highest. A commercial card issued outside the EEA pays 0.90% + 1.70% = 2.60%.

Payments, payment links, subscriptions and credit top-ups all cost the same.

Refunds	free. The payer gets the full amount back; our original fee is not returned
Disputes	€15, only if the dispute is lost; nothing if you win
Failed or declined payments	nothing

The smallest payment a card can make is 50c.

Worked examples, quoted by the engine that charges them:

Payment	Our fee	You keep
A €20 payment on a card issued in the EEA	18c	€19.82
A €100 payment on an EEA consumer card, from any EEA country	90c	€99.10
A €100 payment on an American Express card	€1.80	€98.20
A €100 payment on an EEA corporate card	€2.40	€97.60
A €100 payment on a card issued in the UK	€2.60	€97.40
A €100 payment on a corporate card issued in the US	€2.60	€97.40
A 50c payment	1c	49c

Other ways to pay (Klarna, Revolut Pay, iDEAL | Wero, Bancontact, EPS, MB WAY) cost what they cost us, with nothing added, shown beside each in Settings → Payment methods:

Method	Offered to businesses in	Fee
Klarna	every European country we serve	4.99% + 40c per successful payment
Revolut Pay	every European country we serve	1.50% + 25c per successful payment
iDEAL | Wero	Netherlands	29c per successful payment
Bancontact	Belgium	1.40% + 25c per successful payment
EPS	Austria	1.60% + 25c per successful payment
MB WAY	Portugal	1.50% + 25c per successful payment

Direct Debit

ACH Direct Debit is not offered yet; US businesses take cards. Bacs Direct Debit is for UK businesses.

SEPA Direct Debit is Europe’s: by application, as Bacs is in the UK. Once a business’s Direct Debit application is approved, its customers can pay from a bank account in the SEPA area. One fee per successful debit, rounded up to the cent.

	Fee
Each successful debit	0.25% + 35c a debit, capped at €3
A failed debit	nothing
An indemnity claim	€15 (the dispute fee); our fee on the debit is not returned

Debit	Our fee	You keep
A €10 debit	38c	€9.62
A €100 debit	60c	€99.40
A €1,000 debit	€2.85	€997.15

By application. Once a UK business’s Direct Debit application is approved, its customers can pay from their bank account. One fee per successful debit, rounded up to the penny, and never more than the debit.

	Fee
Each successful debit	0.25% + 14p a debit, capped at £3
A subscription renewal by debit	+0.30%, within the same cap
A failed debit	nothing
An indemnity claim	£15 (the dispute fee); our fee on the debit is not returned

Debit	Our fee	You keep
A £10 debit	17p	£9.83
A £50 debit	27p	£49.73
A £100 debit	39p	£99.61
A £1,000 debit	£2.64	£997.36
A £1,144 debit	£3	£1,141
A £10,000 debit (the most one debit can be)	£3	£9,997
A £50 subscription renewal by debit	42p	£49.58

Prepaid credit and usage

A customer buys credit with an ordinary card payment, at the card rate, once. Using that credit afterwards costs nothing: no card fee per task, call or unit. Unused credit can be refunded to the card it came from; as with any refund, our fee on the top-up is not returned.

If your payments are small

There is no minimum fee and no fixed part, so a small payment costs only its percentage: 30p costs 1p.

There is no minimum fee, but every payment also pays the fixed 20¢. At or below $8.03 the fixed part is at least half the fee, so the fee is at least double the rate as a share of the payment: a 50¢ payment costs 22¢. Cards are poorly suited to very small payments, so:

• your dashboard shows what your smallest payments cost, and what the same money would have cost as credit (GET /v1/account/small_tickets returns the same numbers);
• the SDKs show a one-off notice the first time you create a payment that small;
• you can set your own floor (minimum_payment_amount on your account, or Settings → Business). A payment under it is refused with amount_too_small, so an agent cannot make payments worth less than they cost you.

Payouts

Standard payouts are free and unlimited. Each day, cleared money is sent to you once it comes to £1 or more, or you can request a payout at any time from the same minimum. A payment clears 3 days after it is taken (7 days until £1,000 of a new account’s card payments have cleared), or the next day with next-day payouts (below).

Instant: 0.99% of the amount, rounded up and taken out of it. Pay out £100 instantly and £99.01 reaches your bank (a 99p fee). Instant payouts arrive within minutes, can include pending payments, and send £1 to £9,999 each time. They are available once £1,000 of a new account’s card payments have cleared, to a bank account that can receive instant payments (method: "instant"; quote the fee first with GET /v1/payouts/instant/quote). Offered to businesses in the UK, US, Australia, Canada and Singapore; for live money we are enabling it business by business.

Standard payouts are free and unlimited. Each day, cleared money is sent to you once it comes to $1 or more, or you can request a payout at any time from the same minimum. A payment clears 3 days after it is taken (7 days until $1,000 of a new account’s card payments have cleared).

Instant: 0.99% of the amount, rounded up and taken out of it. Pay out $100 instantly and $99.01 reaches your bank (a 99¢ fee). Instant payouts arrive within minutes, can include pending payments, and send $1 to $9,999 each time. They are available once $1,000 of a new account’s card payments have cleared, to a bank account that can receive instant payments (method: "instant"; quote the fee first with GET /v1/payouts/instant/quote). Offered to businesses in the UK, US, Australia, Canada and Singapore; for live money we are enabling it business by business.

Standard payouts are free and unlimited. Each day, cleared money is sent to you once it comes to €1 or more, or you can request a payout at any time from the same minimum. A payment clears 3 days after it is taken (7 days until €1,000 of a new account’s card payments have cleared).

Instant: 1.50% of the amount, rounded up and taken out of it. Pay out €100 instantly and €98.50 reaches your bank (a €1.50 fee). Instant payouts arrive within minutes, can include pending payments, and send €1 to €9,999 each time. They are available once €1,000 of a new account’s card payments have cleared, to a bank account that can receive instant payments (method: "instant"; quote the fee first with GET /v1/payouts/instant/quote). Offered in every European country we serve except Slovakia, where they aren’t offered yet. Payouts go to your IBAN by SEPA, on banking days of the TARGET2 calendar.

Next-day payouts (UK)

Not offered in the US: a US payment clears 3 days after it is taken.

Next-day payouts (UK): +0.20% per payment, from two weeks after your first payment. Once switched on, each new payment can be paid out the day after it is taken, instead of after 3 days. The 0.20% is added to the card rate before the one round-up: a £100 payment on a UK consumer card costs 99p instead of 79p. Cards issued outside the UK keep 3 days and pay nothing extra. Fee-free processing covers it. Payments already taken keep their speed and fee, and you can switch it off at any time. It becomes available once £1,000 of a new account’s payments have cleared and 14 days have passed since its first payment. See Payouts.

Tuppence cards

	Fee
Virtual cards	no fee at present
Your physical card	free, including replacements
Spending in another currency	no fee from us; the card network’s exchange rate applies

	Fee
Virtual cards	no fee at present
Your physical card	free, including replacements
Spending in another currency	no fee from us; the card network’s exchange rate applies

	Fee
Virtual cards	no fee at present
Your physical card	free, including replacements
Spending in another currency	no fee from us; the card network’s exchange rate applies

Card fees are itemised on your monthly statement and come off your cashback first.

Cashback

Holding and using a Tuppence card earns 0.89% back on eligible card spending, paid monthly.

Holding and using a Tuppence card earns 1.00% back on eligible card spending, paid monthly.

No cashback in Europe yet.

Prices agreed with us

High volume or an unusual mix of cards? Talk to us. Any price above can be agreed for your business: the card rate, each surcharge, next-day and instant payouts, and the dispute fee. An agreement has a start date and can have an end date, after which the list price applies again automatically. Each payment keeps the price it was taken at.

See what you pay in Settings → Your fees in the dashboard, or with GET /v1/account/pricing: every current price, source: "agreed" or "list", the agreement’s dates, and any agreement still to start as next_agreement. Owners and admins are emailed when an agreement starts, a week before it ends, and when it ends; webhooks receive pricing.agreement_started, pricing.agreement_ending and pricing.agreement_ended. If an agreed price is higher than the list price, we tell you when it is agreed, at least 30 days before it starts.