2.49% + 20¢ on every US card.
One flat rate for every US-issued card: Visa, Mastercard, Amex and commercial. No monthly or setup fee. Spend with your Tuppence cards and earn 1% cashback on top.
An example $100.00 payment on a US-issued American Express card: the fee is $2.69 (2.49% + 20¢, with no surcharge for Amex) and $97.31 is settled to you. Spending $1,000 on your Tuppence cards earns $10.00 cashback (1%).
What you never pay
- $0Monthly fee
- $0Setup fee
- $0Standard payouts
- +0%Surcharge on US Amex or commercial cards
- $0Failed and declined payments
What each card costs.
For businesses registered in the United States.
2.49%+ 20¢ per payment
Every US-issued card, including American Express and commercial cards. No surcharges on domestic cards.
- Plus 1% cashback on what you spend with your Tuppence cards
- The same price through the API, an SDK, a payment link or a subscription
- Free standard payouts, with a $1 minimum
$2.69on a $100 payment
On any US-issued card, including Amex and commercial, a $100 payment costs $2.69 and $97.31 is settled to you.
- Cards issued outside the US: +1.5% (3.99% + 20¢)
- Failed and declined payments aren’t charged
| 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¢ |
Rates exclude sales tax. Percentages apply to the gross transaction amount; the 20¢ applies per successful transaction. See the full rate card.
What would one payment cost?
Enter an amount, and check the box if the card was issued outside the US.
A card paid by QR at the till costs the same as online. Tap to Pay adds 10¢ per payment.
$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.
The rest of the price list.
Payments
- Monthly and setup fees
- None
- Failed and declined payments
- Not charged
- Refunds
- The full amount goes back to your customer. The original processing fee is not returned.
- Custom rates
- Talk to us. These are our list prices, and we sometimes agree different ones with a business. If we do, your dashboard shows every price you pay and until when. Contact us.
- Disputes
- $15 per dispute, only if it’s resolved against you
- Card by QR at the till
- The same card rates as online
- Tap to Pay
- The card rate plus 10¢ per payment, when it arrives
Payouts
- Standard payouts
- Free, with a $1 minimum. Funds can be paid out three days after a payment (T+3), or seven days (T+7) until a new account’s first $1,000 of card payments have cleared. New accounts start with payout limits and a rolling reserve, which ease as you build a clean trading history (see our terms).
- Instant payouts
- 0.99% of the amount, taken from the payout. Pays out your pending balance right away. Available once your account has a trading history with us.
Tuppence cards
- Physical Tuppence cards
- Free to order
- Purchases on Tuppence cards in another currency
- The card network’s own conversion charge, passed through
Online store
- The store, its hosting and your own domain
- No monthly fee, no platform fee and no apps to buy
- Card payments in your store
- The card rates above, unchanged
- Shipping labels
- At cost, from your balance, with no margin
We may change rates on 30 days’ notice; changes required by a card network or regulator can take effect sooner. See our terms.
Settlement is what funds the rate.
T+7 while your account is new, until its first $1,000 of card payments have cleared, then T+3. Standard payouts are free, with a $1 minimum.
- Payouts start once we’ve reviewed your account. New accounts start with limits and a rolling reserve, which ease as you build a clean trading history. See our terms.
- Once your account has a trading history with us, instant payout pays out your pending balance right away for 0.99% of the amount, taken from the payout
1% cashback on card spend.
Every eligible purchase on your Tuppence cards earns 1% back, credited to your balance monthly in arrears. Your rate is the same with or without them. About card issuing.
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.
Payments that give more back.
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