OptiPay360
Pricing

Simple, transparent plans.

Pick the tier that matches how you run. All plans include the $0.10/transaction platform fee.

Full-Stack — platform + processing through Optimum Payment Solutions.

Business Core

Essentials to invoice, get paid, and manage customers.

$29/mo
+ $0.10 per transaction*
Processing included via Optimum.
  • Virtual Terminal & payment links
  • Invoicing & estimates
  • Customer management
  • Card-on-file
  • Basic reporting
  • Email support
Recommended

Business Pro

Everything in Core plus scheduling, portal, and rewards.

$59/mo
+ $0.10 per transaction*
Processing included via Optimum.
  • Everything in Business Core
  • Customer Engagement included — appointments, reminders, loyalty & rewards
  • Customer self-serve portal
  • Recurring billing
  • Inventory
  • QuickBooks Online sync
  • Priority support

Business Elite

For teams that need approvals, eSign, and full controls.

$89/mo
+ $0.10 per transaction*
Processing included via Optimum.
  • Everything in Business Pro
  • Bank transfers (ACH) included — no add-on fee
  • Document Signing (eSign)
  • Role-based permissions
  • PIN override
  • Approval workflows
  • Fraud detection tools
  • Penny
  • Dedicated onboarding

*Standard interchange and processor fees apply separately and depend on your processing arrangement. Card brands supported: Visa, Mastercard, American Express, Discover.

What's included by plan

A check means it's included in the plan. Anything else is available as a paid add-on — priced below.

FeatureCoreProElite
Customer Engagement (appointments, reminders, rewards) Add-on Add-on Included
Bank transfers (ACH) Add-on Add-on Included
Document Signing (eSign) Add-on Add-on Included
Dual Pricing Add-on Add-on Add-on
Level III processing Add-on Add-on Add-on

Add-on pricing

Extend your plan with optional modules. Prices are per month on top of your plan.

Level III Processing

Lower interchange rates on qualifying B2B and government cards.

Core
$35/mo + $0.10/txn
Pro
$35/mo + $0.10/txn
Elite
$35/mo + $0.10/txn
ACH Processing

Accept bank transfers for larger invoices and recurring plans.

Core
$20/mo + $0.20/txn
Pro
$10/mo + $0.20/txn
Elite
Included
Dual Pricing

Automatically show separate cash and card prices at checkout.

Core
$5/mo
Pro
Included
Elite
Included
Customer Engagement

Appointment scheduling, automated reminders, and loyalty & rewards.

Core
$30/mo
Pro
$30/mo
Elite
Included
Document Signing (eSign)

Send documents for legally binding electronic signature.

Core
$10/mo
Pro
$10/mo
Elite
Included

Add-ons can be enabled or removed at any time. No volume-based (basis point) fees are charged to merchants.

ISOs & Resellers

Coming Soon

Wholesale pricing for agents and ISOs looking to white-label OptiPay360 for their merchant portfolios.

Frequently asked

What's included in the monthly fee?+

The platform and every feature listed on your tier. Payment processing rates depend on whether you use our processing or bring your own.

Do I need my own processor?+

No. Choose 'I need processing too' to use our processing, or 'I already have a processor' to bring your existing NMI gateway credentials.

Is there a contract or setup fee?+

No long-term contract. Standard month-to-month with no setup fee. Enterprise agreements are available on request.

What card brands are supported?+

Visa, Mastercard, American Express, and Discover. ACH bank transfers are included on Business Elite and available as an add-on on Core and Pro.

How does the $0.10 per transaction fee work?+

This is the platform's per-transaction fee for using OptiPay360. Standard interchange and processor fees are separate and depend on your processing arrangement.

Can I cancel anytime?+

Yes. Cancel at the end of any monthly billing period — no cancellation fees.