FVAMPay

Pricing you can read in a minute.

Paying is free. Merchants pay a small percentage per payment. Adding money carries the payment provider's fee, which many merchants refund for you. That's all of it.

For people paying

Free

Creating an account, paying, subscriptions, refunds

No monthly fee, no card fee, no fee per payment. Ever.

About 1%

Adding money from your bank app

The payment provider's fee, shown in pounds before you confirm. On a £20 top-up, about 20p. The cheapest way, and the one we show first.

About 3.5% to 4.5%

Adding money with Apple Pay or a card

Faster, dearer. On a £20 top-up, about 70p to 90p. Pay a merchant in the network and it comes straight back.

Every merchant in the network refunds your top-up fee the moment you pay them.

Look for "top-up fee refunded" on your receipt.

For merchants

The rate

2.5%per payment

  • No monthly or setup fee
  • No reserve, no minimum volume
  • Settlement in seconds to your wallet
  • Your customers' top-up fees refunded when they pay you
  • Subscriptions, refunds and webhooks included
Create a merchant account

What you'd pay elsewhere

Card processing for subscription and digital businesses commonly runs 3% to 10% depending on the acquirer's view of your category, often with a rolling reserve of 5% to 15% held for months.

FVAMPay has no acquirer, so there's no category pricing and nothing held back.

Things we don't charge for