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Transparent Pricing · Underwritten Per Merchant

No fixed rates.
Honest pricing, underwritten.

High-risk payment processing can't be priced the same way e-commerce platforms charge $99/month. Your MDR depends on industry, region, volume, chargeback history, and licence status. This page shows exactly what drives your rate, the actual ranges merchants land in per vertical, and gets you a firm quote in under 4 business hours.

No setup fees
No monthly minimums
No hidden charges
Quote in 4 hours
Why We Don't Publish Fixed Rates

Because a fixed rate would lie to someone

Any processor who publishes "2.9% + $0.30" is either pricing for a narrow use case and misleading everyone outside it, or pricing conservatively and leaving money on the table for everyone who deserves better. High-risk processing has structural pricing inputs that generic processors don't have.

1

Industry risk varies massively

An MGA-licensed casino at €10M/month with a 0.3% chargeback rate is a different underwriting question to a Curaçao-licensed casino at €500K/month with a 1.1% chargeback rate. Same vertical, wildly different risk.

2

Country rails have real cost differences

India UPI, SEPA, PIX, and card processing have fundamentally different underlying cost structures. A merchant processing 80% UPI in India has a different economic model to one processing 80% SEPA in Europe. One rate can't cover both.

3

Volume changes the math

MDR steps down at real volume thresholds because acquiring bank economics change with volume. A $10M/month operator carries different cost-of-processing than a $500K/month operator. Publishing a single rate flattens this and penalises scale.

What Drives Your Rate

Six factors set your specific MDR

When we quote a rate, these are the inputs we underwrite against. Knowing them upfront lets you estimate where you'll land in the indicative ranges below — and means there are no surprises when the firm quote arrives.

Industry vertical & MCC

iGaming, crypto, and forex carry higher baseline risk than travel or nutraceuticals. MCC 6211 (retail forex), MCC 7995 (gambling), and MCC 6051 (crypto) each have their own acquiring-bank economics.

Region & rail mix

UPI, SEPA, PIX, and cards differ in interchange, settlement cycle, and chargeback exposure. A merchant splitting 70% UPI / 30% cards prices differently to one splitting 100% cards.

Monthly processing volume

MDR steps down at roughly $500K, $1M, $5M, and $10M+/month tiers. A larger merchant sees a meaningfully lower effective rate than a startup — volume-based pricing is built in.

Chargeback history

Merchants with a documented sub-0.5% chargeback rate over 90+ days receive meaningfully better pricing. New operators without history typically start at the top of their vertical's range; rates drop as history accrues.

Licence status

MGA, UKGC, CySEC, FCA, Curaçao, Isle of Man, Gibraltar, Estonia — licensed operators receive preferential pricing. Unlicensed operators in permissive jurisdictions can still be underwritten with enhanced due diligence.

Settlement currency

Fiat settlement in INR, EUR, BRL, USD has different cost bases than stablecoin settlement in USDT or USDC. Stablecoin carries a 0.3–0.8% conversion spread that's typically net-savings vs bank FX.

Indicative Ranges by Vertical

The actual bands merchants land in

These are the MDR bands we quote to each vertical. A licensed operator at $500K–$5M/month with a clean chargeback history typically lands in the middle of the range. New operators without history usually start at the top; established large-volume operators with strong history price below the mid-point.

Indicative MDR ranges by vertical: iGaming, Casino, Crypto, Forex, Fantasy Sports, High-Risk Other
Vertical & region Primary rail MDR range Per-transaction fee Settlement
iGaming — India UPI, Net Banking, Cards 2.5–4.5% ₹0–2 T+1 INR / daily USDT
iGaming — Europe SEPA, iDEAL, Cards 2.2–3.8% €0.15–0.30 T+1 EUR / daily USDT
Online Casino — Europe SEPA, Cards, local APM 2.2–3.8% €0.15–0.30 T+1 EUR / daily USDT
Online Casino — Brazil PIX, Boleto, Cards 2.5–4.2% R$0.30–0.80 T+1 BRL / daily USDT
Forex / CFD — Global Cards, Wire, UPI 1.8–3.2% $0.20–0.40 T+1 fiat / daily USDT
Fantasy Sports — India UPI (bank-direct P2M) 2.5–4.0% ₹0–2 T+1 INR / daily USDT
Crypto Exchange — Global UPI, SEPA, PIX, Cards 2.8–4.8% $0.20–0.50 Daily USDT / USDC
Sports Betting — LATAM Local rails, Cards 2.6–4.4% Local T+1 fiat / daily USDT
iGaming — LATAM SPEI, OXXO, PSE, MP, PagoEfectivo, Webpay 2.8–4.5% Local T+1 fiat / daily USDT
Forex / CFD — India UPI, Net Banking 2.2–3.6% ₹0–2 T+1 INR / daily USDT
Sports Betting — Europe SEPA, SEPA Instant, Cards 2.2–3.8% €0.15–0.30 T+1 EUR / daily USDT

These ranges are indicative, not guaranteed. Actual MDR is determined at underwriting. Ranges assume monthly volume of $250K–$10M, a documented sub-0.5% chargeback rate (or equivalent for new operators), and a recognised licence where applicable. Volumes above $10M/month routinely price below the lower bound; operators with unusual risk profiles may price above the upper bound. See our measurement methodology for how the bands were derived and how we refresh them.

Included in Every Merchant Account

What you get at every rate

No stripped-down "starter" tier. These are standard across every FalconPay merchant — from a $250K/month new operator to a $10M/month enterprise casino.

Full RESTful API with HMAC-SHA512 authentication
Real-time dashboard with transaction monitoring & analytics
3DS2 authentication with PSD2-compliant exemption logic
In-house chargeback management & representment
Velocity & fraud rules pre-tuned per vertical
Webhook delivery for all payment events
Multi-currency processing across 35+ currencies
Stablecoin settlement in USDT/USDC if preferred
Dedicated account manager with <2-hour response SLA
PCI DSS Level 1 & ISO 27001 compliant infrastructure
Multi-acquirer routing on cards for optimal approval rates
Sandbox environment for integration testing
What We Don't Charge For

No setup fees. No hidden charges.

Pricing is transaction-based. What you process is what you pay for — nothing more. Below is our complete list of charges that are commonly bundled into other processors' pricing and that we do not add.

0
Setup / onboarding fee
0
Monthly platform fee
0
Integration / SDK fee
0
Contract minimum
0
Early termination fee
Get Your Rate

Firm quote in 4 hours

Tell us your industry, region, and volume. Our underwriting team replies with an indicative quote within 4 business hours, and a firm quote within 24 hours of full documentation.

Encrypted submission — data never shared with third parties.

Pricing FAQ

Common questions about how pricing works

Why doesn't FalconPay publish fixed rates?
High-risk payment processing is priced per merchant because risk profile varies massively between operators — an MGA-licensed iGaming operator at €10M/month with a 0.3% chargeback rate is a fundamentally different underwriting question to a Curaçao-licensed casino at €500K/month with a 1.1% chargeback rate. Publishing a single rate would either be misleadingly low (attracting low-fit merchants) or misleadingly high (losing good merchants to competitors). We publish indicative ranges per vertical instead and give a firm quote within 4 business hours.
What drives my specific rate?
Six factors: (1) industry vertical and MCC — iGaming, crypto, and forex carry higher baseline risk than travel or nutraceuticals; (2) region and rail — UPI, SEPA, PIX, and card MDRs differ meaningfully; (3) monthly processing volume — larger volumes access better pricing; (4) chargeback history — merchants below 0.5% receive better rates; (5) licence status — MGA, UKGC, CySEC, or equivalent licensed operators receive preferential pricing; (6) settlement currency — fiat vs stablecoin settlement has different cost structures.
How fast can I get a quote?
Most merchants receive an indicative quote within 4 business hours of submitting the quote form with industry, region, monthly volume, and licence status. A firm quote — with final MDR, per-transaction fees, settlement terms, and rolling reserve details — is provided within 24 hours of full documentation submission.
Can I get a ballpark estimate before I apply?
Yes. The "Indicative Ranges by Vertical" section on this page shows the actual MDR bands merchants in each category land in. You can reasonably expect to be in the middle of your vertical's range if you're a licensed operator at $500K–$5M/month with a clean chargeback history. New operators without history typically start at the top of the range.
Are there setup fees, monthly fees, or integration charges?
No. FalconPay does not charge setup fees, monthly minimums, integration fees, or cancellation penalties. Pricing is transaction-based: a percentage MDR plus per-transaction fixed fee. What you process is what you pay for — nothing more.
Is there a rolling reserve?
Rolling reserves are applied selectively, based on risk profile. Low-risk verticals and merchants with established chargeback history often operate with no reserve. High-risk verticals or new operators without history typically see a rolling reserve of 5–10% held for 90–180 days, released on a rolling schedule. Reserve terms are disclosed upfront in your quote — never introduced after onboarding.
Are stablecoin settlement rates the same as fiat settlement?
Close, but not identical. Stablecoin settlement (USDT or USDC) carries a small conversion spread of 0.3–0.8% depending on the source fiat currency. This is materially lower than traditional bank FX spreads (1–3%) and typically represents net savings for multi-region operators. Exact stablecoin settlement rates are quoted alongside fiat rates in your proposal.
Do you offer volume-based pricing?
Yes. MDR steps down at defined volume thresholds — typically $500K/month, $1M/month, $5M/month, and $10M+/month tiers. A $3M/month iGaming operator in India will pay a meaningfully lower rate than a $250K/month operator in the same vertical. Volume tiers and the rates at each are laid out in your quote.

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