Pricing behavior — Payments & Billing APIs
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Pricing
Pricing for CheckoutCom
How pricing changes as you scale: upgrade triggers, cost cliffs, and plan structure (not a live price list).
Sources linked — see verification below.
Freshness & verification
Pricing behavior (not a price list)
These points describe when users typically pay more and what usage patterns trigger upgrades.
Actions that trigger upgrades
- Transaction volume hits $250K/month on Stripe - Checkout.com IC+ saves 0.7-1.1% in fees
- Failed transaction rate above 5% - optimization engine justifies migration
- International expansion planned - local acquiring reduces cross-border fees by 1-2%
- Network token adoption - Visa/Mastercard tokens improve auth rates worth switching
- Need payment routing optimization - Premium tier features required
What gets expensive first
- Minimum volume commitments often $50K-$100K/month - can't scale down temporarily
- IC+ pricing requires understanding interchange categories - complexity vs flat-rate simplicity
- Payment optimization tools cost extra beyond base API access
- Multi-currency settlement may require separate accounts and fees
- Contract terms typically 12-24 months - less flexibility than Stripe's pay-as-you-go
- Custom pricing means fees not comparable until after sales negotiation
Plans and variants (structural only)
Grouped by type to show structure, not to rank or recommend SKUs.
Enterprise
- Interchange Plus - Custom IC+ pricing (typically 1.8-2.2% + interchange) - Minimum $50K-$100K/month volume
- Premium - IC+ plus payment optimization and routing - Enterprise features, custom pricing
- Enterprise - Fully negotiated pricing with network tokens - High-volume merchants, dedicated support
Next step: constraints + what breaks first
Pricing tells you the cost cliffs; constraints tell you what forces a redesign.
Open the full decision brief →Sources & verification
Pricing and behavioral information comes from public documentation and structured research. When information is incomplete or volatile, we prefer to say so rather than guess.