Why pay more?

Payment processing is an utility. It just works. Same technology. Same banks. So why pay more?

Sign up today for our free merchant account and save money on every transaction.


+ $0.19 per transaction

No setup fees. Next day settlement.

* Typical rate. See details below.

How our pricing works


The wholesale volume fee charged by the card networks.



Our margin



Transaction fee


1.6~2.1% + $0.19

Depending on who your customers are and what type of cards do they use.

No hidden fees. No catch

Same rate for all card brands

Free next day settlement

No commitments whatsoever

No international surcharges

Online, key-in, swipe - same rates

Questions & Answers

Is this price is just an intro offer?

No, that’s for the long run, except that we are going to make our fees even lower over time. And as soon as we do it, we are going to pass these savings to all our existing merchants.

How can you offer such a low rates?

Payment.Ninja is an innovative payment platform, which utilizes the latest technology to bring down the costs. We partner with the prominent banks and financial institutions, who support our mission to make online payments affordable to everyone. And finally, we run a tight ship here and don’t spend money on ‘startup lifestyle’.

Are there any monthly or minimum fees?

The only other fee you pay is the monthly $3.50 PCI fee. Sorry, we can’t get rid of it just yet, but we will soon. There’s no setup fee or anything else. We offer completely transparent, usage-based pricing plans.

Ok, so what's the catch here?

There’s none. We are not trying to squeeze every penny from our merchants like many other payment gateways. Our mission is to help you save money, sell more and boost your profits, and by doing that we are making money for ourselves too. Honest.

Who handles my money? Is it safe?

Depending on your location, your money is being handled by a bank-acquirer or a fully-licensed financial institution, who is a member of Visa and MasterCard. You can check the name and the address of the bank in your Merchant Agreement. Payment.Ninja doesn’t have access to your money at any time.

What is Payment.Ninja anyway?

Payment.Ninja is an innovative payments company from San Francisco, California, which has been nominated as a Most Disruptive Payments Company by PYMNTS, an industry magazine. Our mission is to eliminate payment fees, to help you, a small business, to sell more and as a result, to make more profits.