Your Total Cost Formula
Every transaction you process through Cost+ is made up of transparent components: Interchange (set by card issuers) + Scheme Fees (Visa/Mastercard network fees) + Our Margin (%) + Network Access Fee (EUR) = Your Total Cost.
Standard Retail (Low Risk) - New Businesses
Interchange + Scheme + 0.50% + EUR 0.15 per transaction. The Network Access Fee of EUR 0.15 includes Network Authorization, 3DS Authentication, and Tokenization.
- 0 monthly fee
- 0 for 3DS authentication
- 0 for tokenization
- 100% white-labeled
Specialized (High Risk) - New Businesses
We support businesses selling CBD, nicotine pouches, vapes, seeds, or running online casinos and iGaming platforms. We guarantee better pricing and better terms than what you currently have. Contact us for a custom quote.
Custom Pricing
Already processing over EUR 20,000 per month? Do not use standard rates. Our team will audit your current statement and provide a custom IC++ quote designed to beat your existing agreement. Contact us at costplus.io/contact.
2026 Estimated Wholesale Costs
These are indicative interchange + scheme costs. Actual rates vary by card type:
| Card Type | Estimated Rate | Notes |
|---|---|---|
| EU Debit | ~0.35% | Consumer debit within EEA |
| EU Credit | ~0.45% | Consumer credit within EEA |
| Non-EU | ~1.70% | International and corporate cards |
Utility Fees
| Fee | Amount |
|---|---|
| Network Access Fee | EUR 0.15 per attempted transaction |
| Refund Fee | EUR 0.25 (fixed bank cost only) |
| Payout Fee | EUR 0.25 |
| Chargeback | EUR 30.00 |
No Hidden Costs
There are no setup fees, no monthly fees, no lock-in contracts, and no exit fees. If we are not delivering value, you are free to leave at any time.