Start with one consistent volume model
Use realistic monthly volume, transaction size and payment-method assumptions when comparing proposals. Separate established data from forecasts. A percentage without the transaction mix tells only part of the story. Ask which charges apply to successful payments, attempts, refunds and disputes. Use the same assumptions for each proposal so the comparison reflects the business rather than differences in the sales presentation.
List charges by the event that creates them
Record processing, fixed transaction, refund, dispute, account and settlement charges where applicable. Ask when a cost arises and how it is reported. Clarify any currency-conversion basis separately. If a fee is conditional, identify the trigger rather than treating it as a fixed monthly expense. No illustrative price on this site should be read as an offer; the written proposal establishes the actual commercial terms.
Separate reserves from processing expenses
A reserve affects the availability of proceeds and may be governed by adjustment and release conditions. It should be considered alongside settlement timing and working-capital needs. Review the agreement rather than assuming a fixed release date from a sales summary. The business needs to understand both the cost of processing and when money can be used to fulfil orders or meet customer obligations.
Compare operational fit before deciding
Review eligibility, countries, methods, integration scope, support and the approved business model alongside the charges. A proposal that does not support the required subscription or settlement route is not made suitable by a low headline rate. Resolve inconsistent figures across schedules and agreements before signing. Keep the final approved terms accessible to finance and operations so later reconciliation is based on the same commercial understanding.
Frequently asked questions
Does this guide set the terms of my account?
No. It supports practical preparation. Your provider’s confirmed requirements, written proposal and agreement govern the arrangement.
Your proposal defines the contracting provider, delivery responsibilities, eligible markets and agreed commercial terms. Services remain subject to underwriting and provider availability.