Priced on the payments we get approved.
Most checkout pricing charges you the same whether a payment clears or not. Ours does the opposite: you pay a small share of each payment we approve, and nothing on the ones that fail. The recovery features that win those payments back — smart retries, frictionless 3-D Secure, network tokens — are in the price, not bolted on top.
Pick the tier that fits your volume
Every tier is billed per approved payment and includes the full recovery engine. Switch between standard and high-volume rates to see where you land.
- Approval optimization on every transaction
- Smart retries on soft declines
- Frictionless 3-D Secure with SCA exemptions
- Network-token vaulting and refresh
- Recovery dashboard and webhooks
- Everything in Recover
- Authorization routing across acquirers
- Issuer-aware retry and SCA strategy
- Decline-reason analytics by issuer and market
- Priority support with a named contact
- Everything in Optimize
- Dedicated issuer tuning per market
- Custom authorization routing rules
- Uptime SLA and incident commitments
- Dedicated account manager and solution review
Rates apply per approved payment and exclude VAT. Failed and hard-declined payments are never charged. Scheme and interchange fees are passed through transparently at cost.
What you will never find on an invoice
Pricing that follows your approved revenue means the costs that usually creep in simply do not exist here.
No setup fee
Integration, onboarding and going live cost nothing. You start paying only once the first real payment is approved — never to switch the lights on.
No monthly minimum
A quiet month costs a quiet amount. There is no floor to clear and no platform fee waiting in the background, so your bill always tracks the revenue we actually win.
Nothing on a failed payment
A hard decline, a genuine refusal or a retry that does not clear costs you zero. We only earn when a payment is approved, so a lost sale never turns into a line item.
Every tier compared
The recovery engine is in all three tiers. The higher tiers add routing, tuning and a service commitment.
| Capability | Recover | Optimize | Scale |
|---|---|---|---|
| Approval optimization | Included | Included | Included |
| Smart retries on soft declines | Included | Included | Included |
| Frictionless 3-D Secure | Included | Included | Included |
| Network tokens | Included | Included | Included |
| Authorization routing across acquirers | — | Included | Included |
| Dedicated issuer tuning and uptime SLA | — | — | Included |
Recover and Optimize are billed at a published per-approved-payment rate; Scale is a custom blended rate. You can move between tiers as your volume changes — no migration and no re-integration.
The questions finance teams ask first
Do we pay on payments that fail or get retried?
No. You are charged only when a payment is approved. A hard decline costs nothing, and a smart retry costs nothing unless it actually clears — at which point you pay the same rate you would on any approved payment. A retried payment is never billed twice.
Are the recovery features an extra add-on?
No. Smart retries, frictionless 3-D Secure, network tokens and approval optimization are part of every tier at no additional cost. We make money when your approval rate climbs, so the tools that lift it are in the base price rather than sold separately.
Is there a setup fee or a monthly minimum?
Neither. Onboarding, integration and going live are free, and there is no minimum to meet each month. If a month is slow, your bill is small; if no payments are approved, there is nothing to pay.
How does per-approved-payment pricing actually work?
Each approved payment carries a small percentage plus a fixed fee, both shown on your tier. Scheme and interchange fees are passed through at cost and itemised, so you can always see what Acquira charges and what the networks charge. Nothing is added to declined or unsettled payments.
Can we move tiers as we grow?
Yes, at any time. Moving from Recover to Optimize, or onto a custom Scale rate, takes a settings change on our side — no migration and no change to your integration. As your approved volume rises, we will proactively flag when a different tier would cost you less.
See the price next to the revenue we recover.
Bring a sample of your checkout volume to a revenue review. We will model the approved payments Acquira would win back and put the fee right beside them, so the cost is never abstract.