Take card payments without a processor account
PlumePay holds the acquiring relationship, so you never apply to a card processor, wait on underwriting, or manage a second dashboard. One flat rate covers everything, in 38 currencies.
processing included
and settled
your wallet
Currencies you can charge in today
See what you keep before you sign up
These rates come from the live plan table the platform actually charges against, and the arithmetic is the same code that writes the fee onto a real order. No monthly fee, no setup fee, no separate processing bill.
You receive
Paid out T+2
One rate covers card processing, fraud screening, the checkout page and payouts. You are never billed separately by a processor, because you never hold an account with one.
Built so the books agree afterwards
A gateway is judged on how fast money lands, what it costs, and whether reconciliation is a five-minute job or a week of archaeology.
Every movement is a ledger entry
Each transaction records its fee, its status, and the balance it left behind. Nothing is inferred later from a CSV.
- Fee written at the moment of the transfer, never back-filled
- Running balance stored on every row
- Pending and held amounts kept separate from available
Invoicing that closes the loop
Raise an invoice, send it, and the payment lands against it. Overdue is a state the system tracks, not one you chase.
- Totals computed server-side, never trusted from the form
- Marking an invoice paid writes the matching ledger entry
- Overdue flagged automatically past the due date
An API you can hand to your engineers
Scoped keys, separate test and live environments, and secrets hashed the moment they are issued — so a leaked database never leaks a usable key.
- Per-key scopes: read, write, payments, invoices
- Plaintext shown exactly once, at creation
- Revoke instantly from the dashboard
Three steps, no sales call
You can be sending money the same day you sign up.
Open a merchant account
Sign up, name your business and pick a settlement currency. No underwriting queue and no sales call.
Send a payment link
Raise one from the dashboard or through the API. Your customer pays on our checkout — card details never touch your servers.
Get paid out
Your share is held until it clears, then released to your wallet on your plan's schedule. Every order shows exactly what it earned.
One rate. Processing included.
Read live from the platform's own plan table, so this page cannot advertise a price we do not charge. No monthly fee, no setup fee, no quote form.
Standard rate for every new merchant.
- Card processing included, never billed separately
- No processor account to open
- Payouts T+2, from $25.00
- No volume limits, no minimum
- On a $1,000.00 sale you keep $930.10
- Hosted checkout, API and dashboard
Lower commission and faster payouts, billed yearly.
- Card processing included, never billed separately
- No processor account to open
- Payouts T+1, from $10.00
- Applies to your first $2,500.00 each month, then 6.99%
- On a $1,000.00 sale you keep $940.10
- Hosted checkout, API and dashboard
$99.00 per 365 days · pays for itself from $9,900.00 of annual volume
Get startedWhat a sale actually nets you
Generated from the live plan table. If the rate changes in the product, it changes here — these are not numbers maintained by hand.
| Plan | Rate | Fee on $100.00 | You keep | Fee on $1,000.00 | You keep | Payouts |
|---|---|---|---|---|---|---|
| Regular Default | 6.99% | $6.99 | $93.01 | $69.90 | $930.10 | T+2 |
| Premium | 5.99% | $5.99 | $94.01 | $59.90 | $940.10 | T+1 |
That rate covers card processing, the hosted checkout, fraud screening and
payouts. There is no separate processor bill, because you never open an account
with one.
Premium applies to the first
$2,500.00 of volume in each calendar
month; beyond that, sales are charged at the standard rate. A sale that
straddles the limit is split, with each part charged at its own rate —
we do not round the whole transaction up.
Cross-border payments fail in the gap between what you were quoted and what actually landed. We closed the gap by publishing the schedule and writing the fee into every ledger entry.
Start moving money today
Open an account in a few minutes. Verify your email, connect how you get paid, and send your first transfer the same day.