Paydigo
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Pricing

Simple pricing. No monthly fees.

Payments built for the way you work. Invoices, payment links, subscriptions and Tap to Pay on your phone, priced per transaction, with nothing monthly.

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Standard

Access the complete payments platform with pay-as-you-go pricing. No setup fees, monthly fees, PCI fees or hidden fees.

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2.60% + 15¢
in person, Tap to Pay
on your phone
2.90% + 30¢
invoices, links
& subscriptions
Custom

Design a custom package, for higher volume, business-card-heavy sales, or unusual models. Send a recent statement and we'll show which option costs you less.

Contact sales
Interchange-plus Volume discounts Multi-product discounts Industry-specific rates
$0 monthly·$0 setup·$0 PCI·$0 annual·No contract, cancel anytime

One exception: the subscriptions platform (recurring billing) carries a monthly fee of $49 and comes with a 30-day free trial. It is optional, invoices, payment links, QR codes and Tap to Pay are always free.

Bank payments (ACH)

1%, capped at $10 per payment.

No matter the invoice size. A $10,000 job costs $10 to collect. A returned bank payment is $15.

InvoiceBank payment fee
$500$5
$3,500$10
$8,500$10
$25,000$10

Included at no extra cost

Unlimited invoices & estimates Payment links & QR codes Tap to Pay on iPhone & Android Next-business-day deposits Gateway & tokenization Dispute alerts & refund-ahead Customer management Team access Phone & in-app support
Optional add-on Subscriptions platform, $49/month

Recurring billing for maintenance plans, service contracts and memberships. Set it once and it bills automatically; expired cards update themselves. This is the only part of Paydigo with a monthly fee, and it starts with a 30-day free trial, cancel anytime. Not required: invoices, payment links and Tap to Pay are always free.

Also available Interchange-plus

Prefer itemized pricing? Higher-volume shops and merchants taking a lot of business cards can price on interchange + 0.55% + 10¢ with itemized fees ($9.95/month service, $9.95/month PCI, $49/year). Talk to us →

Every other fee, in plain English

FeeAmountWhen
Chargeback$20A customer disputes a charge
Retrieval request$20A bank asks for documentation on a charge
ACH return$15A customer's bank payment fails
Bank account change$15You change your deposit account
Returned payment$15A payment from your account to the processor fails
PCI non-validation$19.95/moOnly if you skip your annual security check, about five minutes in the app, and we remind you
Invalid tax ID$25One-time, only if your tax ID doesn't match IRS records
Non-EMV program fee$25/moOnly if more than 10% of your transactions are non-chip
Card-brand feesAt costPassed through exactly as Visa, Mastercard, Discover and American Express charge them

That's the complete list. If it isn't on this page, we don't charge it.

Frequently asked questions

Anything else, talk to us.

Are there really no monthly fees?+

No monthly service fee, no PCI fee, no annual fee, no minimum, you pay per transaction. The one exception is the optional subscriptions platform at $49/month, which includes a 30-day free trial.

How fast do I get paid?+

Next business day for most batches. Funds go from the bank straight to your bank account, Paydigo never holds your money.

Is there a contract?+

No term commitment and no early termination fee.

Why are there two rates?+

Cards tapped in person cost the card networks less, so they cost you less. Invoices, payment links and keyed cards use the higher rate.

Do I need a card reader?+

No. Tap to Pay works on the phone you already have.

Can I take bank payments?+

Yes, 1%, capped at $10 per payment.

Who holds my merchant account?+

Your account is with Global Payments, sponsored by PNC Bank, N.A., in your business's name. Your money settles directly to your bank.

What if my business takes a lot of business or corporate cards?+

Ask us about interchange-plus pricing, it may cost you less.

Start taking payments today.

No monthly fees, no contract, no setup cost.

Get started free Talk to us