IdealBoxPay

Pricing

Priced per payment, not per promise.

No setup fee, no monthly minimum on Start, and nothing at all for a payment that never succeeded. The rate you see is the rate on the statement.

Start

For a first integration, and everything up to steady traffic.

$0per month
Mobile money
2.5%
Settlement
T+3
  • Test environment with a simulator for every flow and failure code
  • Dashboard, balances and searchable transaction history
  • Signed webhooks with automatic retries
  • Secret, publishable and restricted API keys
  • Email support, one business day
Start free

Scale

Most chosen

For merchants where the rate matters more than the monthly fee.

$99per month
Mobile money
1.9%
Settlement
T+1
  • Everything in Start
  • Custom routing rules across providers
  • Custom roles and granular per-member permissions
  • Per-key IP allowlists and raised rate limits
  • 99.9% uptime commitment
  • Priority support, four business hours
Choose Scale

Custom

For volume, unusual corridors, or a settlement profile of your own.

Custom
Mobile money
from 1.2%
Settlement
Same day
  • Everything in Scale
  • Same-day settlement
  • Dedicated processor accounts and negotiated provider rates
  • Custom rolling reserve policy
  • Single sign-on and directory-managed access
  • Audit log and ledger export
  • A named engineer on your integration
Talk to us

Estimate

What a month actually costs.

A percentage is not an answer. Put your volume in and see where the monthly fee starts paying for itself.

USD
USD
70%

The remaining 30% is priced at the local card rate.

Estimated feesper month
  • Start3.12% effective
    $780
  • ScaleCheapest3.01% effective
    $752
  • CustomNegotiated rates
    Talk to us

An estimate on list rates, in USD, assuming locally issued cards. Cross-border cards, wallets and disbursements are priced separately — see the table below.

Rates

Every rate, side by side.

Percentages apply to the transaction amount. The fixed component applies to card and wallet payments only — mobile money providers price purely as a percentage.

RateStartScaleCustom
Mobile money collection2.5%1.9%from 1.2%
Card, issued locally2.9%2.6%from 2.2%
Card, issued abroad3.9%3.4%from 3%
Apple Pay, Google Pay, PayPal3.4%2.9%from 2.5%
Disbursement to a third party1%0.8%from 0.5%
Withdrawal of your own balance0.5%0.3%from 0.15%
Fixed component, cards and wallets+$0.20+$0.20+$0.20
Refunding a payment
Free
Chargeback, if you lose the dispute
$15.00
Failed withdrawal, returned by the bank
$0.30
Currency conversion, on top of the rate
1%

Pricing questions

Before you do the maths.

Start in the test environment. Move money when you are ready.

Create an account, take a test key and run a payment end to end in minutes. Going live is a different key, not a different integration.

No setup fee. No monthly minimum on Start.