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
  • Appointment scheduling
  • Customer self-serve portal
  • Recurring billing
  • Inventory
  • Loyalty & rewards
  • 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
  • Document Signing (eSign)
  • Role-based permissions
  • PIN override
  • Approval workflows
  • Fraud detection tools
  • AI Assistant
  • Dedicated onboarding

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

Add-ons

Extend your plan with optional modules.

Dual Pricing

Automatically show cash vs. card pricing at checkout.

ACH

Accept bank transfers for larger invoices and recurring plans.

Level III processing

Lower interchange rates on qualifying B2B and government cards.

Customer Engagement Module

Automated reminders, receipts, and follow-up messaging.

Add-on pricing varies by plan. Some add-ons are included on higher tiers — contact us for a quote.

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 is available as an add-on.

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.