Payment Gateway Fees: Complete Cost Breakdown (2026)

How we compare pricing on this page

The examples explain different fee structures. They do not establish that the same merchant qualifies for every offer.

• Scope: Online card payments using the named plans and markets. Stripe, Airwallex, Authorize.net, and PayPal examples use US pricing. Adyen's card example uses its global pricing page with a USD display.
• HaiPay scope: US-issued cards start at 2.5% + US$0.30. Cards issued outside the US start at 4.0% + US$0.30. Rates are set after a business review; merchant eligibility and included services follow the quote.
• Costs shown: Transaction charges, international-card pricing, currency conversion, disputes, and account charges. These are not complete merchant bills.
• Ordering: Providers appear alphabetically. The order does not indicate price, suitability, or performance.
• Evidence dates: HaiPay product information was supplied on October 15, 2026. External pricing sources were reviewed on October 14–15, 2026, as noted in the Sources section. Confirm current terms before signing.
• Commercial disclosure: HaiPay publishes this guide and may benefit if a reader becomes a customer. Comparisons use provider documentation and product information, not transaction testing.

Published pricing compared: HaiPay, Adyen, Airwallex, Authorize.net, PayPal, Stripe

Interchange++ (IC++) separates interchange, card-network charges, and the provider's fee. Foreign exchange (FX) means currency conversion; check which conversion flow a quoted charge covers.

Sources: Adyen pricing, Airwallex US pricing, Authorize.net pricing, PayPal US fees, and Stripe pricing. Review dates appear below. HaiPay figures use product information supplied October 15, 2026.

HaiPay's 2.5% starting percentage is below the published US domestic-card percentages shown for Airwallex and Stripe. That comparison covers the stated transaction rate, not the complete cost of using each service.

Four checks make the table useful:

1. Match the plan and market. A US domestic-card offer, gateway-only plan, and merchant-specific quote have different scopes.
2. Separate totals from additions. HaiPay's 4.0% starting international-card rate already includes its 1.5-percentage-point addition. Do not add it again. Airwallex also publishes a total international-card rate.
3. Distinguish account charges. Setup fees, annual fees, monthly subscriptions, and minimum monthly bills are different items. A zero price for one does not establish a zero price for the others.
4. Model the complete quote. Add applicable FX, settlement, taxes, optional services, and contract charges. An unlisted or unconfirmed amount is not zero.

PayPal Checkout is distinct from Advanced Credit and Debit Card Payments, Payments Advanced, and Payments Pro. Do not combine fees from those products into a single Checkout quote. Likewise, Authorize.net's eCheck chargeback fee concerns a different payment type from card chargebacks.

Gateway fees vs processing fees — they are not the same thing

A gateway-only price covers a different scope from a bundled payment-processing price.

• Gateway charges pay for the technology used to submit and manage transactions. They may be billed separately from the merchant account that processes payments.
• Processing charges cover the card-payment service. Depending on the plan, network and provider charges may be combined or itemized.

Gateway-only and bundled prices cover different services. Add separate merchant-account costs before comparing.

For example, Authorize.net's Gateway Only plan separates gateway charges from merchant-account costs. Its All-in-One plan includes a merchant account and uses a different transaction price, as shown above.

Source: Authorize.net pricing, reviewed October 14, 2026.

Compare the combined gateway and processing cost for the same transaction set. A gateway-only transaction charge cannot stand in for a bundled processing rate.

If your customers are businesses, the B2B payment acceptance guide explains commercial-card data and eligibility considerations that can affect pricing.

Payment gateway fee types to check

• Transaction charges: Check both the rate and the event being billed. Successful payments, authorizations, refunds, voids, and declines may have different treatment under the chosen plan.
• International-card charges: HaiPay adds 1.5 percentage points for cards issued outside the US, bringing its starting rate to 4.0% + US$0.30. Currency conversion is separate.
• Currency conversion / FX: HaiPay conversion starts at 0.5%, depending on the currency pair. The applicable reference rate and conversion charge are stated in your quote.
• Refund fees: HaiPay charges US$0.30 per processed refund. The treatment of the original transaction charges is a separate policy to check.
• Dispute fees: HaiPay charges a flat US$20 per dispute, stated in your quote.
• Settlement transfers: USD settlement wires cost US$15 each. The recipient bears any intermediary bank fees, as stated upfront.
• Setup, annual fees, and minimum billing: HaiPay charges US$0 for setup and US$0 in annual fees, with no minimum monthly billing. Check any other account charges separately.
• Local payment methods: Rates start at 1.2%, including QRIS in Indonesia. Rates vary by method and market; FX and applicable local taxes are listed separately.
• 3D Secure authentication: Check whether authentication is included in the selected plan or billed separately, and which events trigger a charge.
• Network tokenization and account updater services: Check whether stored-card maintenance services are included, optional, or charged by event. Use the relevant service volume when estimating their cost.

HaiPay offers local payment methods across 40+ markets through a single contract, with per-method rates stated upfront in the quote. Pricing and availability depend on the method and market.

Sources: HaiPay product information supplied October 15, 2026; provider fee schedules listed in Sources for examples of separately billed services.

For more detail on interchange, network charges, and provider margins, see the credit card processing fees guide.

Blended vs Interchange++ pricing: which model costs less

Blended pricing combines the cost components covered by the quote into a stated transaction rate. Confirm which charges remain separate.

Interchange++ pricing separates interchange, card-scheme charges, and the provider's processing fee. Interchange is paid to the card issuer; scheme charges are card-network charges. The actual amounts depend on the card and pricing terms.

The following US$100 transaction is a teaching example, not a HaiPay quote. Every rate in the table is hypothetical.

Teaching example only. Actual costs follow the applicable network rates and merchant quote. Other fees are excluded.

No fixed, monthly, international-card, conversion, or event-based charges are assumed in this example. Add any that apply to a real quote.

Source: The illustrative structure on HaiPay pricing, reviewed October 14, 2026. These figures are arithmetic assumptions, not an available rate or a savings claim.

Neither model is automatically cheaper. Compare both quotes against the same transaction data: card type, issuing country, amount, currency, and payment method. Add account charges, applicable minimums, and services excluded from each rate.

Choose using modeled cost and the detail your finance team needs. For a line-by-line review, the interchange-plus pricing guide explains quote components and itemized statements.

The hidden costs that don't appear on pricing pages

Look beyond the headline transaction rate and ask for the following terms in writing:

• Exchange-rate markup and conversion fees: Compare the reference rate, applied rate, and any separate charge. HaiPay names Maybank for MYR-to-USD conversion and DBS for SGD-to-USD conversion in the applicable quote. Its FX charge starts at 0.5%, depending on the pair.
• Taxes on fees: Check each quote's tax treatment. HaiPay lists FX and applicable local taxes separately from local payment method rates. Compare providers on the same tax basis.
• Refund costs: Distinguish the refund-processing fee from the original payment charge. If a US$100 payment costs 2.9% + US$0.30 and that charge is retained, US$3.20 remains a cost after the refund. Any refund-processing fee is additional.
• Dispute handling: Check fees for receiving and responding to disputes, plus any return conditions. Those can be separate events, as Stripe's schedule illustrates.
• Compliance and optional services: Request an itemized list of authentication, account-update, compliance-program, and other service charges. Confirm what the selected plan includes.
• Contract exit costs: Review the gateway agreement and any separate merchant-account agreement. A condition in one agreement does not establish the terms of the other.
• Minimums and inactivity conditions: Distinguish minimum billing from a volume requirement or inactivity charge. HaiPay has no minimum monthly billing. Adyen's minimum invoice depends on industry or business model; Checkout.com describes minimum-billing thresholds in pricing schedules.

Sources: HaiPay product information supplied October 15, 2026; Stripe pricing, Adyen pricing, and Checkout.com minimum billing, reviewed October 15, 2026. The refund example is conditional arithmetic, not a universal refund policy.

How to tell whether a provider's pricing is actually transparent

Transparent pricing lets you identify the charges that apply and reproduce the bill. A custom quote can be transparent; a published starting rate alone is not enough. Apply these checks to every provider, including HaiPay.

Use the completed quote to model a small transaction sample. Resolve unexplained differences before relying on the estimate. The checklist is a practical review method, not a certification or a price ranking.

When the money actually arrives

Local payment methods can settle as fast as T+1 in eight markets: Indonesia, Vietnam, Thailand, the Philippines, India, Brazil, Mexico through SPEI, and Bangladesh. The applicable schedule is confirmed in your quote.

USD settlement transfers cost US$15 per wire. The recipient bears any intermediary bank fees, as stated upfront. Settlement is in USD, with additional settlement currencies available in selected markets.

Source: HaiPay product information supplied October 15, 2026.

A settlement label needs a definition. Confirm the event that starts the count, the counting convention, and whether the quoted endpoint is transfer initiation or bank arrival.

The payment settlement time guide explains the stages between payment and settlement. Once transfers arrive, use the payment gateway reconciliation guide to match them to orders and fees.

Illustrative processing-fee subtotals on US$1,000 of domestic card sales

Assume US$1,000 of US-issued card sales across 50 transactions of US$20. The figures calculate only the listed transaction charges and monthly fee. They are not settlement totals or complete account costs.

The US plans use their published domestic-card rates. HaiPay's row uses its starting rate for US-issued cards, subject to business review. The illustration does not establish that the same merchant qualifies for every offer.

Listed transaction charges and the stated monthly fee only. Settlement transfers and other applicable charges are excluded. Eligibility conditions apply.

Sources: Provider pricing references and review dates in Sources; HaiPay product information supplied October 15, 2026. Results are arithmetic on the stated assumptions, not observed merchant bills.

Excluded costs include international-card charges, conversion, refunds, disputes, settlement transfers, optional services, taxes on fees, and unmodeled contract minimums. An excluded cost is not zero.

For HaiPay, one US$15 USD settlement wire would bring the US$40 starting processing subtotal to US$55 before other applicable charges. Intermediary bank fees are still excluded. This remains a partial-cost illustration.

The example shows two useful relationships:

• A US$0.30 fixed charge adds 1.5% to a US$20 payment, but 0.3% to a US$100 payment.
• A US$25 monthly charge equals 2.5% of US$1,000 in sales and 0.05% of US$50,000. Its share becomes smaller; the charge does not disappear.

Apply these relationships to your own transaction sizes and volume, then add the remaining quote items.

How to calculate what a gateway really costs you

Work through these five steps using the same transaction mix for every provider:

1. Split the payment volume. Separate domestic cards, international cards, and each local payment method. Apply the relevant percentage and fixed transaction charge to each group.
2. Apply currency conversion where it occurs. Identify the conversion trigger, currency pair, reference rate, and charge. Avoid adding the same international-card surcharge or conversion cost twice.
3. Add operational and account costs. Include refunds, disputes, settlement wires, optional services, taxes, account charges, and applicable minimum billing. Record annual fees separately or allocate them consistently for a monthly comparison.
4. Calculate the effective cost. Divide modeled monthly fees by the same monthly sales volume for each provider. Keep reserves or funds held separately from fees, while assessing their cash-flow impact.
5. Stress-test the quote. Recalculate with lower volume, more disputes, a different average transaction size, or a new market. Check which price and eligibility conditions change.

Effective fee rate = modeled fees ÷ corresponding sales volume × 100%.

For acquiring costs across borders, see cross-border acquiring fees and the merchant acquiring guide.

Use the international payment gateway comparison to review provider scope and eligibility. The fee calculator can help model card-payment charges; account separately for costs it excludes.

Sources

1. Adyen — Pricing. Card fee display reviewed October 14, 2026; minimum-invoice conditions rechecked October 15, 2026.
2. Airwallex — US Pricing. US card acceptance and plan conditions. Reviewed October 14; card rates rechecked October 15, 2026.
3. Authorize.net — Pricing. All-in-One, Gateway Only, and separate fee entries. Reviewed October 14, 2026.
4. HaiPay — Pricing. Pricing-model background and illustrative IC++ structure. Reviewed October 14, 2026. HaiPay-specific commercial figures in this guide follow the product information supplied October 15, 2026, listed below.
5. PayPal — US Merchant Fees. Checkout rates, international additions, and dispute conditions. Reviewed October 14, 2026.
6. Stripe — Pricing. US standard card pricing, additions, and dispute events. Reviewed October 14; rechecked October 15, 2026.
7. HaiPay — Credit Card Processing Fee Calculator. Method and exclusions. Reviewed October 14, 2026.
8. HaiPay product pricing information supplied October 15, 2026. Source for starting rates, flat fees, FX references, minimum billing, settlement markets, and local-method coverage.
9. Checkout.com — Minimum Billing Fees. Pricing-schedule thresholds and contributing fees. Reviewed October 15, 2026.