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Pricing

Simple, transparent pricing

No setup fees. No hidden charges. Only pay for what you process. All plans include access to the full Paynectra dashboard, API keys, webhooks, and developer documentation.
Payment Gateway

Gateway & Card Processing

Accept Visa, Mastercard, Amex, and 50+ local payment methods. Plans scale with your monthly volume.

Starter

Perfect for new merchants and businesses just getting started with online payments.

2.5%

+ £0.20 / txn
No monthly fee · No setup fee
Visa, Mastercard, Amex, Discover
Apple Pay & Google Pay
Hosted payment page
Payment links & invoicing
Real-time dashboard & reports
T+3 settlement
Email support
Apply Free

Most Popular

Business

For growing businesses that need lower rates, faster payouts, and priority support.

1.8%

+ £0.15 / txn
£99 / month platform fee
Everything in Starter
Full API + SDK access
Recurring & subscription billing
T+1 or T+2 settlement
Multi-currency settlement (35+)
Chargeback alerts (Verifi & Ethoca)
Priority phone & chat support
Apply Free

Enterprise

Custom rates and dedicated infrastructure for high-volume and high-risk merchants.

Custom

Volume-based rates · No minimums
Everything in Business
High-risk merchant accounts
Same-day settlement available
Dedicated account manager
Custom fraud rules & risk engine
SLA-backed 1-hour support
White-label options available
Apply Free

All rates shown are indicative. Final rates depend on your industry, processing volume, and chargeback history. Contact our team for a personalised quote. High-risk merchants will receive a custom rate card from their dedicated account manager.

UPI Collection

UPI & India Payments

Collect payments via UPI, IMPS, NEFT, and RTGS. Built for Indian merchants and businesses serving Indian customers from around the world.
Payment MethodTransaction FeeSettlementNotes
UPI (all apps)0.5% + ₹2T+1PhonePe, GPay, Paytm, BHIM, all UPI handles
UPI AutoPay0.8% + ₹2T+1Recurring mandates — ideal for subscriptions
IMPS₹8 flatInstant24×7, up to ₹5 lakh per transaction
NEFT₹4 flatSame dayBank holidays excluded
Netbanking1.2% + ₹4T+250+ Indian banks supported
Wallets (Paytm, etc.)1.0% + ₹3T+1Subject to wallet balance limits
Get UPI Rates
Payouts

Payout & Disbursement Pricing

Send funds to bank accounts, UPI handles, wallets, and crypto addresses worldwide. Transparent per-transfer pricing with no monthly minimums.
Payout MethodFee Per TransferSpeedAvailability
UK Bank Transfer (Faster Payments)£0.20 flatInstant24×7
SEPA Credit Transfer€0.30 flat1 business dayMon–Fri (banking hours)
SWIFT / International Wire$5.00 flat1–3 business days180+ countries
UPI Payout₹3 flatInstant24×7
Crypto Payout (BTC/ETH/USDT)0.5% (min $2)Network dependent24×7
ACH (US)$0.25 flat1–2 business daysMon–Fri

 

Enquire About Payouts
Common Questions

Pricing FAQs

No. The Starter plan has zero setup fee and zero monthly fee — you only pay per successful transaction. The Business plan has a monthly platform fee that is offset by significantly lower per-transaction rates at volumes above £30,000/month. Enterprise pricing is fully custom. There are no hidden fees; all charges are itemised in your monthly statement.
 
Yes, you can upgrade your plan at any time with no penalty. Your account manager will reach out proactively when your volume qualifies for better rates. Downgrades take effect at the end of the current billing month.
 
 
 
 
An additional cross-border fee of 0.5% applies to cards issued outside your merchant's home country. Currency conversion (DCC) is handled at interbank-plus-1% rates when you settle in a different currency from the card currency. All FX fees are disclosed in your dashboard before settlement.