kleverPay - Payment Processing Fees
Transparent pricing for every payment type. Select your region to view applicable rates and terms.
U.S. Fee Schedule
All fees apply to merchants operating in the United States and are denominated in U.S. Dollars (USD). Effective as of the date shown at the bottom of this page.
Monthly Plans (USD)
Starter Plan
Up to $1,000,000 USD processed annually- Interchange-plus pricing - no markup on interchange
- $0.30 per card-present (in-person) transaction
- $0.30 per card-not-present (online / keyed) transaction
- No setup fee, No PCI compliance surcharge
- No fraud protection surcharge
- Next-business-day deposits included
Custom Plan
Over $1,000,000 USD processed annually- Custom per-transaction rates
- Interchange-plus or blended pricing available
- Volume discounts above $1M annual card processing
- Dedicated account support
- Custom settlement timelines available
Card Transaction Fees - Starter Plan (USD)
| Fee Type | Rate / Amount | Notes |
|---|---|---|
| Card-Present (In-Person) Transactions | ||
Per-transaction fixed fee Each approved card-present transaction |
0.60% + $0.30
|
Per settled transaction |
Interchange (pass-through) Set by card networks; varies by card type and MCC |
Varies | Passed through at cost - see network interchange tables 1 |
Card network assessments & dues Visa, Mastercard, Amex, Discover network fees |
Varies | ~0.13%-0.16% of transaction; set by card networks 2 |
| Card-Not-Present (Online / Keyed) Transactions | ||
Per-transaction fixed fee Online or manually entered card transactions |
0.60% + $0.30
|
Per settled transaction |
Interchange (pass-through) Higher rates apply for card-not-present due to elevated fraud risk |
Varies | Passed through at cost; typically higher than card-present 1 |
Card network assessments & dues |
Varies | ~0.13%-0.16%; set by card networks 2 |
| Flat-Rate / Blended Pricing (Alternative Model) | ||
Flat-rate per transaction Single rate covering interchange, assessments, and platform markup |
2.75% + $0.30
|
For eligible merchants; contact kleverPay to confirm eligibility 3 |
1 Interchange rates are established by Visa, Mastercard, American Express, and Discover and published on their respective websites. Rates vary based on card type, card brand, rewards tier, MCC, and transaction method. kleverPay does not add markup to interchange under IC+ pricing.
2 Network assessments include: Visa (~0.13%), Mastercard (~0.1375%), American Express (~0.16%), Discover (~0.13%). Additional network fees such as Visa's Acquirer Processing Fee (APF) of $0.0195 per authorization (business cards) and Mastercard's NABU fee of $0.0195 per settled transaction may also apply.
3 Flat-rate pricing availability and eligibility are subject to underwriting review and may vary by merchant category.
ACH / Bank Transfer Fees (USD)
| Fee Type | Rate / Amount | Notes |
|---|---|---|
ACH processing fee ACH debit and credit transactions |
$1.00 | Of transaction amount; cap may apply 4 |
ACH return - debit e.g., insufficient funds, account not found |
$10.00 | Per returned item |
ACH return - credit |
$10.00 | Per returned item |
ACH Notice of Change (NOC) When a financial institution sends a correction notice |
$5.00 | Per notice; debit and credit notices may differ |
4 ACH fees may be subject to a maximum cap. Refer to your Merchant Services Agreement for specific cap amounts.
Dispute, Compliance & Optional Service Fees (USD)
| Fee Type | Rate / Amount | Notes |
|---|---|---|
| Disputes & Chargebacks | ||
Chargeback / dispute fee When a cardholder files a dispute with their issuing bank |
$50.00 | Per dispute; non-refundable regardless of outcome 5 |
Retrieval request fee When a card issuer requests transaction documentation |
$50.00 | Per retrieval request |
| Compliance & Network | ||
PCI DSS compliance kleverPay does not charge a separate PCI compliance fee |
$0.00 | Included at no additional cost |
PCI attestation non-compliance penalty Merchants must maintain annual PCI compliance attestation |
$100.00 / mo | Per merchant, per month while non-compliant 6 |
Cross-border / international card fee When a card issued outside the U.S. is used |
Varies | Set by card networks; may include currency conversion |
| Optional & Value-Added Services | ||
Subscription / recurring billing |
$0.40% | Of transaction amount; applies when subscription billing is enabled |
Card network token update Account Updater / Network Token refresh |
$0.50 | Per card token update event |
Payouts |
$0.60 | |
Instant / same-day payouts Expedited disbursement; |
2.00% | |
Hardware / POS terminal |
Varies | One-time device purchase; pricing varies by model |
5 Chargeback fees cover administrative processing costs. Winning a dispute does not result in a refund of this fee.
6 All merchants must complete an annual PCI DSS Self-Assessment Questionnaire (SAQ) or equivalent attestation. Non-compliance results in a monthly fee per merchant until compliance is restored.
Canadian Fee Schedule
All fees apply to merchants operating in Canada and are denominated in Canadian Dollars (CAD) unless otherwise noted. Effective as of the date shown at the bottom of this page.
Monthly Plans (CAD)
Starter Plan
Up to $1,000,000 CAD processed annually- Interchange-plus pricing available for eligible merchants
- $0.30 per card-present (in-person) transaction
- $0.30 per card-not-present (online / keyed) transaction
- No PCI compliance surcharge
- Settlement to Canadian bank accounts (CAD)
- Supports CAD currency
Custom Plan
Over $1,000,000 CAD processed annually- Negotiated per-transaction rates
- Interchange-plus or blended pricing available
- Volume discounts above $1M CAD annual processing
- Dedicated account support
- Custom settlement and payout options
Card Transaction Fees (CAD)
| Fee Type | Rate / Amount | Notes |
|---|---|---|
| Card-Present (In-Person) Transactions | ||
Per-transaction fixed fee Chip, tap (contactless), or swipe at point of sale |
0.60% + $0.30 CAD |
Per settled transaction |
Interchange (pass-through) Canadian rates set by Visa Canada and Mastercard Canada |
Varies | Passed through at cost under IC+ pricing 7 |
Card network assessments |
Varies | Set by card networks; non-negotiable |
| Card-Not-Present (Online / Keyed) Transactions | ||
Per-transaction fixed fee Online, virtual terminal, or manually keyed transactions |
0.60% + $0.30 CAD |
Per settled transaction; typically higher than card-present |
Interchange (pass-through) |
Varies | Higher rates for online due to elevated fraud risk |
Card network assessments |
Varies | Set by card networks |
| Flat-Rate / Blended Pricing (Alternative Model) | ||
Flat-rate per transaction Single bundled rate covering interchange, assessments, and markup |
2.75% + $0.30 CAD | Eligibility subject to underwriting review 8 |
7 Canadian interchange rates are established separately by Visa Canada and Mastercard Canada and differ from U.S. rates. Canadian merchants benefit from reduced interchange commitments under voluntary codes of conduct with the Government of Canada.
8 Flat-rate pricing for Canadian merchants is subject to eligibility review. Contact kleverPay for details.
EFT / PAD & Interac Fees (CAD)
| Fee Type | Rate / Amount | Notes |
|---|---|---|
| EFT / Pre-Authorized Debit (PAD) | ||
EFT / PAD processing fee |
$5.00 CAD | Per transaction |
EFT / PAD return fee e.g., NSF - non-sufficient funds |
$20.00 CAD | Per returned item |
| Interac® | ||
Interac Debit - card-present In-person Interac debit at point of sale |
$0.15 CAD | Interac network fees apply separately 9 |
Interac e-Transfer® (if applicable) |
Not Available |
Availability subject to product eligibility |
9 Interac® is a registered trademark of Interac Corp. Interac network fees are set by Interac Corp. and are separate from kleverPay processing fees and are passed through at cost.
Dispute, Compliance & Optional Service Fees (CAD)
| Fee Type | Rate / Amount | Notes |
|---|---|---|
| Disputes & Chargebacks | ||
Chargeback / dispute fee |
$50.00 CAD | Per dispute; non-refundable |
Retrieval request fee |
$50.00 CAD | Per retrieval request |
| Compliance & Network | ||
PCI DSS compliance |
$0.00 | Included at no additional cost |
PCI attestation non-compliance penalty |
$100.00 CAD / mo | Per merchant, per month while non-compliant |
Foreign currency / cross-border card fee When a card issued outside Canada is used |
Varies | Includes card network cross-border fee and currency conversion |
| Optional & Value-Added Services | ||
Subscription / recurring billing |
0.40% | Of transaction amount |
Payouts |
$0.60 CAD |
|
Instant / expedited payouts |
2.00% |
expedited payout fee may apply |
Hardware / POS terminal |
Varies | One-time device purchase; pricing varies by model |
Required Disclosures & Legal Notices
kleverPay reserves the right to modify fees at any time. Changes will be communicated with prior notice as required by applicable law and your Merchant Services Agreement. Continued use of kleverPay services after the effective date constitutes acceptance of revised fees.
Transaction fees charged at the time of the original payment will not be refunded when a transaction is subsequently refunded or reversed. This applies to card processing fees and per-transaction charges.
Under IC+ pricing, kleverPay passes interchange fees through at the actual cost established by the applicable card network. Interchange rates are non-negotiable and set by Visa, Mastercard, American Express, and Discover. Rates are reviewed typically in April and October each year.
All pricing is subject to eligibility review. Fees may vary based on your business type, industry, risk profile, processing volume, chargeback history, and other underwriting criteria. kleverPay reserves the right to apply risk-based pricing adjustments.
Processing fees are deducted from the settled transaction amount prior to payout. Net proceeds are deposited to your designated bank account per your settlement schedule. kleverPay is not responsible for delays caused by your financial institution.
All merchants are required to maintain compliance with PCI DSS. An annual Self-Assessment Questionnaire (SAQ) or equivalent attestation is required. Non-compliance may result in fees and potential suspension of payment processing.
Excessive chargebacks may result in additional fees, reserve requirements, or termination of your merchant account. Card network chargeback thresholds apply. Merchants are responsible for responding to disputes within timeframes specified by the relevant card network.
Canadian merchants are protected under the voluntary Code of Conduct for the Credit and Debit Card Industry in Canada. Merchants have the right to cancel their agreement without penalty within 90 days of receiving notice of a fee change they find unacceptable. These protections are administered through our regulated acquiring partner. Visit the Financial Consumer Agency of Canada (FCAC) at canada.ca/fcac.
Payment Services Notice: kleverPay is a payment services brand operated by KoderShop. Payment processing, acquiring, and settlement services are provided by our licensed acquiring partner and registered payment facilitator, which is regulated and registered with applicable card networks including Visa, Mastercard, American Express, and Discover. KoderShop / kleverPay is not independently a licensed money services business, payment institution, or registered payment facilitator. All payment processing activities are subject to your Merchant Services Agreement and all applicable federal, state/provincial, and local laws and regulations.
No Warranty: This fee schedule is provided for informational and disclosure purposes only. kleverPay makes no representation that this page constitutes a complete description of all fees that may apply. Merchants should review their executed Merchant Services Agreement for the definitive, binding fee schedule.
Last Updated: | Page: https://kodershop.com/fees | Questions? Contact kleverPay merchant support.
Visa® and Mastercard® are registered trademarks of their respective owners. American Express® is a registered trademark of American Express Company. Discover® is a registered trademark of Discover Financial Services. Interac® is a registered trademark of Interac Corp. None of these companies are affiliated with or endorse kleverPay or KoderShop.