FAQs

Most providers use blended pricing, hiding their margins inside a single inflated rate (e.g., 1.85%). You have no idea how much the processor keeps. Cost+ uses IC++ pricing where every component is visible: interchange goes to the bank, scheme fees go to the card network, and our margin is flat and published. On a typical EUR 100 EU debit card transaction, you could pay around 0.95% with Cost+ compared to 1.85% with a blended provider - that is up to 49% less. We also do not charge setup fees, monthly fees, or lock-in contracts, and we waive our percentage on refunds.

NoPayn has been rebranded to Cost+. The name change reflects our commitment to IC++ transparent pricing - "Cost Plus" is literally what we do. The team, security, and technology remain the same. The legal entity is CostPlus OU, registered in Estonia.

Cost+ supports multiple currencies including EUR, GBP, SEK, NOK, DKK, and more. We operate across the EU, UK, and globally, with processing infrastructure supporting 900+ payment methods across 100+ countries. Supported Hosted Payment Page languages include English, German, Dutch, French (Belgium), Swedish, Norwegian, and Danish.

No. Cost+ charges 0 for setup and 0 for monthly fees. You only pay per transaction: the passthrough interchange, network and scheme fees plus our margin. There are no hidden costs.

No. We do not believe in lock-in contracts. There are no minimum terms, no exit fees, and no contractual traps. If we are not delivering value, you are free to leave at any time.

Yes. Cost+ is PCI DSS Level 1 certified, the highest level of payment security certification. All API communication requires TLS 1.2 or higher. Our Hosted Payment Page ensures that sensitive card data never touches your servers. We also support 3D Secure (3DS) authentication on all card transactions at no additional cost.

Cost+ is a modern payment processing platform that enables merchants to accept payments across multiple channels with transparent, cost-plus (IC++) pricing. We pass through wholesale bank rates and charge a single, transparent service fee. Cost+ was formerly known as NoPayn - same team, same security, new wholesale standard.

IC++ stands for Interchange Plus Plus. It separates every fee component so you see exactly what you pay. Your total cost = Interchange (bank's share, passed at cost) + Scheme Fees (Visa/Mastercard network fees, passed at cost) + Our Margin (a flat, competitive service fee). Unlike blended pricing where providers hide their margins in a single rate, IC++ gives you full transparency on every transaction.

For standard retail (low-risk) merchants, the fee is: Interchange + Scheme Fees + 0.50% + EUR 0.15 per transaction. The EUR 0.15 Network Access Fee includes network authorization, 3DS authentication, and tokenization. For high-risk merchants (CBD, vapes, nicotine, iGaming), we offer custom pricing. If you process over EUR 20,000 per month, contact us for a custom IC++ quote.

Network Access Fee: EUR 0.15 per transaction. Refund Fee: EUR 0.25 (fixed bank cost only, we waive our percentage). Payout Fee: EUR 0.25 per payout. Chargeback: EUR 30.00.

We waive our percentage markup on every refund. You only pay a flat EUR 0.25 Network Processing Fee to cover the raw bank and authorization costs. Unlike providers such as Stripe or Qliro who keep the original processing fee on refunds, we do not profit from your returns.

For standard retail (low-risk) merchants: daily or weekly payouts with T+1 or T+3 transfer speed and 0% rolling reserve. For specialized (high-risk) merchants: weekly or monthly payouts with T+3 to T+7 transfer speed and 0-10% rolling reserve for up to 180 days. Final payout terms are determined during underwriting. The payout fee is EUR 0.25 per payout.

Yes. We specialize in high-risk payment processing for industries including CBD, nicotine pouches, vapes, seeds, online casinos, iGaming, forex, and crypto exchanges. We are backed by Tier-1 global acquiring infrastructure and provide enterprise-grade processing with sophisticated underwriting and dedicated compliance support. We guarantee better pricing and better terms than what you currently have. Contact us for a custom quote.

Cost+ supports credit and debit cards (Visa, Mastercard, Amex, Maestro), Apple Pay, Google Pay, and Vipps/MobilePay. Specific payment methods must be activated on your account before use.

No, Apple Pay cannot be tested in sandbox/test mode. This is an Apple restriction. To test Apple Pay you need a physical Apple device (iPhone, iPad, or Mac with biometric authentication), a valid card registered in Apple Wallet, and a live (production) Cost+ project account.

We support Visa (Credit/Debit), Mastercard (Credit/Debit), Amex (Credit) and Maestro (Debit). These same brands are also supported through Apple Pay and Google Pay.

3D Secure (3DS) adds an extra layer of authentication to card transactions. When a customer pays, they may be asked to verify their identity through their bank (via SMS code, app notification, or biometric). 3DS is included at no additional cost with Cost+ and helps shift fraud liability away from the merchant. It is automatically applied to card transactions processed through our Hosted Payment Page, but can be excluded or dynamic upon request.

We have official plugins and integrations for Shopify, WooCommerce, PrestaShop, Magento (2.x and 1.9), OpenCart, Shopware, nopCommerce, Drupal Commerce, modified eCommerce, and osCommerce. Wix and Ecwid integrations are currently in development. If your platform is not listed, you can integrate using our REST API and Hosted Payment Page.

Log into the Merchant Portal at dashboard.costplus.io. Navigate to Websites, select your website, and click Integration. Your API key and Merchant ID are displayed there. Keep your API key secure and never expose it in client-side code or public repositories.

No. There is no separate sandbox URL. You use the same API endpoint (https://api.costplus.online/v1/) for both sandbox and production. The mode is determined entirely by the website type in the Merchant Portal, not by the URL. Use a sandbox website's API key for testing and a production website's API key for live transactions.

The Merchant Portal at dashboard.costplus.io is your central hub for managing Cost+ payments. Here you can create and manage websites, view transactions, access API keys, configure payment methods, set up webhooks, and monitor your payment activity. Sign up for free at dashboard.costplus.io/register.

Yes. Cost+ offers SDKs and client libraries for Node.js/TypeScript, Python, PHP, Java/Kotlin, C#/.NET, and Ruby. These simplify API integration by handling authentication, request formatting, and response parsing. See docs.costplus.io for installation and usage instructions.

The collaborator request access code is a 4-digit code that lets you grant Cost+ access to your Shopify store. Here is how to find it:

1. Log in to your Shopify store admin panel.
2. Click "Settings" in the bottom left corner.
3. Select "Users" from the settings menu.
4. Scroll down to the "Collaborators" section.
5. You will see the 4-digit access code displayed there.
6. Click the icon next to the code to copy it.

Send the code along with your webshop URL to onboarding@costplus.io, or fill it in on the form you received in your order confirmation.

If you cannot find the code, make sure your user account has the right permissions in Shopify.

To let Cost+ install and configure the WooCommerce plugin, create a temporary admin user:

1. Log in to your WordPress dashboard at yourdomain.com/wp-admin.
2. Go to Users, then Add New.
3. Fill in the details: Username "nopayn", Email "onboarding@costplus.io", First Name "Cost+", Last Name "Support", Password (use Generate Password for a strong one), check "Send User Notification", and set Role to "Administrator".
4. Click "Add New User".
5. Email onboarding@costplus.io to let us know the account is ready.

Important: Remember to remove this user account once we have completed the installation. The temporary admin account will only be used for plugin installation and configuration.

A 401 error means your API key is incorrect or improperly formatted. Double-check your key and verify the formatting in the Authorization header. When using Basic Auth, include a trailing colon after your API key (e.g., YOUR_API_KEY:). The colon separates the username from the empty password field. Make sure there are no extra spaces or characters.

This means the payment method has not been activated on your account. Each payment method requires activation before use. Contact your Cost+ account manager or enable it in the Merchant Portal under Settings, then Payment Methods. Only use payment methods you have been approved for.

Use these test cards in sandbox mode with any future expiry date and any 3-digit CVC: 4111 1111 1111 1111 (Visa, Success), 5544 3300 0000 0037 (Mastercard, Success), 4462 0300 0000 0000 (Visa, Success), 4111 1111 1111 1105 (Visa, Do Not Honor), 4111 1111 1111 1143 (Visa, Stolen Card), 4111 1111 1111 1151 (Visa, Insufficient Funds). These only work with sandbox API keys.

If your webhook endpoint does not respond with a 2xx status code, Cost+ retries up to 10 times, spaced 2 minutes apart. The first attempt times out after 4 seconds, subsequent retries time out after 10 seconds. After 10 failed retries, the webhook event is marked as failed but the order status remains retrievable via the API. Always ensure your endpoint responds quickly with a 200 status code.

Orders have six statuses. Non-terminal (can still change): "new" (freshly created, no payment initiated), "processing" (payment attempt underway, customer may be completing 3DS), "error" (payment failed, customer can retry). Terminal (final): "completed" (successful payment, ready for fulfillment), "cancelled" (user or API-initiated cancellation), "expired" (no successful payment within the expiration window, default 30 minutes).

You can reach our support team at support@costplus.io. Our Help Desk is available at helpdesk.costplus.io. Developer documentation is at docs.costplus.io. Support hours are 09:00 - 17:00 CET.