Pricing
Pricing without the asterisks.
Merchants pick between two honest models — flat-rate or interchange-plus — and the full gateway is included in both. Partners see their economics in writing before the first call ends.
For merchants
Flat rate
2.89% + 29¢
One percentage, one fixed fee, nothing else. Simple to predict, simple to explain to your customers.
- No monthly minimum
- No setup or cancellation fee
- Gateway included
Interchange-plus
Interchange + 0.25% + 10¢
Actual interchange plus one fixed markup. The lowest-cost structure at volume, with every line visible on the statement.
- Full statement transparency
- Level 3 data discounts for B2B
- Gateway included
Both plans include the full gateway — hosted fields, tokenization, virtual terminal, reporting and support. High-risk verticals are underwritten through specialist acquiring partners at their published terms.
For partners
The partner economics, in plain numbers.
Every partner signs with a wholesale rate schedule in hand. You price your merchants however the market will bear — the entire spread above wholesale is yours, plus a share of the net platform revenue.
Wholesale rates
A full rate schedule at signing — the floor you build your pricing on
Your markup
100% of everything above wholesale, paid to you monthly as residuals
Revenue share
Starts at 50% of net revenue and climbs with your portfolio — top agreements run to 90%
Minimum
A small platform minimum for your first 90 days. After that, zero partner cost
Example: you price a merchant at $25 a month and your points on every transaction. Everything above the wholesale schedule — monthly fees, transaction margin, value-added services — flows back to you as residuals, every month, for the life of the account. And 50% of the net gateway revenue rides on top.
Questions
Asked on every first call.
Whose brand do merchants see?
Yours. The merchant portal, hosted payment pages, applications, receipts and onboarding emails all carry your name and your domain. Pylon runs the engine room — your merchants never need to know it exists.
Do I need to become a registered ISO or a PayFac?
No. One agreement with Pylon puts the whole platform behind your brand. The registrations, the compliance program and the network connections are carried on our side.
Can merchants keep their existing processor?
Yes. The gateway is processor-agnostic, so an existing merchant account boards as-is and keeps processing where it lives today. New merchants are underwritten through our acquiring partners — low, medium and high risk.
How fast can we go live?
Sandbox access comes with the agreement, typically within days. A white-labeled portal and your first branded onboarding flow usually follow within a couple of weeks; merchant approvals take days after underwriting.
What does it cost to partner?
Nothing upfront. A small monthly platform minimum applies for your first 90 days while your portfolio ramps, then it's gone. Your revenue share starts at 50% and grows with volume — top agreements run to 90%.
Which storefronts and platforms does it work with?
Anything that can post a payment: Shopify, WooCommerce, custom stacks, marketplaces, in-person terminals and mobile. The gateway operates the payment layer, not the storefront.
Bring us your current statement.
We'll put both models side by side with what you pay today — including the fees the big platforms bury in the fine print.