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.