2.49% + 20¢ on every US card.
One flat rate for every US-issued card — Visa, Mastercard, Amex and commercial cards alike. No monthly fee, no set-up fee, no minimum. Plus 1% cashback on what you spend with your Tuppence card.
2.49%+ 20¢ per payment
Every card issued in the US, including American Express and commercial cards. No surcharges on domestic cards.
- Plus 1% cashback on what you spend with your Tuppence card
- The same price through the API, an SDK, a payment link or a subscription
- Free standard payouts, as many as you like
$2.69on a $100 payment
Many US processors list 2.9% + 30¢. On a $100 payment that’s $3.20 — against $2.69 with Tuppence.
- Cards issued outside the US — +1.5% (3.99% + 20¢)
- Failed and declined payments aren’t charged
Rates exclude sales tax. Percentages apply to the gross transaction amount; the 20¢ applies per successful transaction. See the full rate card.
What each card costs.
For businesses registered in the United States.
| Card type | Rate |
|---|---|
| Any US-issued card, including Amex and commercial | 2.49% + 20¢ |
| Foreign-issued card | 2.49% + 20¢ + 1.5% = 3.99% + 20¢ |
| Everything else | Price |
|---|---|
| Monthly fee, set-up fee, minimum | None |
| Failed and declined payments | Not charged |
| Refunds | The full amount goes back to your customer. The original processing fee is not returned. |
| Disputes | $15 per dispute, only if it’s resolved against you |
| Standard payouts | Free and unlimited, with a $1 minimum. Funds are available to pay out three days after a transaction settles (T+3) — seven days (T+7) in your first week after your first payment. T+1 on request, once you’re past your first week. |
| Instant payouts | 0.99% of the amount paid out. Pays out your pending balance straight away — optional on any payout, from your second week. |
| Physical Tuppence cards | Free to order |
| Tuppence card purchases in another currency | The card network’s own conversion charge, passed through |
We may change rates on 30 days’ notice; changes forced by a card network or regulator can take effect sooner. See our terms.
What would one payment cost?
$2.69
2.49% + 20¢ on $100.00.
Before sales tax. Fees are worked out on the gross amount and rounded up to the cent.
$100 → $2.69
$97.31 settled.
$100 → $4.19
$95.81 settled.
Settlement is what funds the rate.
T+7 in your first week after your first payment, then T+3 — and T+1 on request after that. Standard payouts are free and unlimited, with a $1 minimum.
- Instant payout pays out your pending balance straight away for 0.99% of the amount, from your second week
Plus 1% cashback on your card spend.
Your rate is the same whether or not you use the Tuppence card. Use it, and eligible purchases earn 1% back, credited to your balance monthly in arrears.
Refunded, reversed and disputed purchases, cash withdrawals, transfers and account funding don’t earn cashback. We may change or withdraw the cashback rate on notice.
Get paid to accept card payments.
Test mode is open today. Join the waitlist and we’ll tell you when your account can take real payments.