> ## Documentation Index
> Fetch the complete documentation index at: https://docs.okapay.net/llms.txt
> Use this file to discover all available pages before exploring further.

# Okapay Pricing Plans: Startup, Professional, Enterprise

> Compare Okapay pricing tiers. Startup at 5.5% up to $5K/month, Professional at 4% up to $100K/month, Enterprise with custom rates above $1M/month.

Okapay pricing is based on transaction volume, with no monthly subscription fee on any plan. You pay only for what you process — no seat licences, no hidden platform charges, no long-term contracts. Choose the plan that matches your current processing volume and upgrade seamlessly as your business grows.

## Plan Overview

> [card] Startup
>
> **5.50%** processing fee
>
> Up to **\$5,000 / month**
>
> No monthly subscription fee
>
> Perfect for startups, freelancers, creators, and small businesses getting started with online payments.

> [card] Professional
>
> **4.00%** processing fee
>
> Up to **\$100,000 / month**
>
> No monthly subscription fee
>
> Best for scaling businesses, digital platforms, agencies, and high-growth companies.

> [card] Enterprise
>
> **Custom** volume-based rates
>
> **> \$1,000,000 / month**
>
> Dedicated support included
>
> Tailored solutions for high-volume merchants with bespoke rate negotiations and SLA guarantees.

## What's Included on Every Plan

Every Okapay plan — regardless of tier — gives you access to the full payments platform from day one.

* Accept all major cards (Visa, Mastercard, Amex), Apple Pay, Google Pay, and cryptocurrencies
* Hosted Checkout Pages
* Payment Links
* REST API, Webhooks & SDKs
* Merchant Dashboard & Real-Time Analytics
* Next-Day Payouts
* Built-in Fraud Detection
* Chargeback Alerts & Risk Monitoring
* PCI DSS Level 1 Secure Payment Infrastructure
* Multi-Currency Payment Acceptance (135+ currencies, 160+ countries)
* Dedicated Account Manager
* Secure Merchant KYC & Compliance

## Additional Fees

> [!WARNING]
>
> The following fees apply **in addition to** the plan processing fee on every transaction, across all pricing tiers. Factor these into your cost modelling before you go live.

| Fee Type | Rate |
| - | - |
| Payout / Settlement | 2.00% |
| Fraud & Risk Assessment | 2.00% |
| GST / Tax | 1.00% |
| Revenue Protection & Recovery | 1.50% |

## Enterprise Plan

For merchants processing more than \$1,000,000 USD per month, Okapay offers a fully customised commercial arrangement. Enterprise is not a fixed tier — rates, limits, and features are negotiated based on your volume, business model, and risk profile.

Enterprise includes everything in Professional, plus:

* No processing limits — no monthly volume ceiling
* Custom tailored volume-based transaction rates
* Custom negotiated Payout & Settlement Fees
* Custom Fraud & Risk Assessment rules tuned to your business
* Hosted Checkout, Payment Links & custom UI integration options
* Real-time enterprise analytics and custom reporting
* Instant or fully customisable payout schedules
* Multi-merchant and parent-child account setup for platforms and marketplaces
* Dedicated Integration & Support Engineering teams
* 24/7 SLA Support with a named Dedicated Account Manager

To discuss Enterprise pricing, contact the sales team at [support@okapay.net](mailto:support@okapay.net).

## Okapay vs Standard Processors

> [accordion] Onboarding & Scale
>
> Okapay offers fast merchant onboarding with dedicated compliance support — no long review cycles or unpredictable approvals. The platform is API-first and white-label ready, built for SaaS products, marketplaces, and platforms that need flexibility, not a one-size-fits-all gateway. Startup accounts scale to Enterprise without triggering account reviews or arbitrary volume holds.

> [accordion] Global Payments
>
> Accept cards, Apple Pay, Google Pay, cryptocurrencies, and local payment rails — including PIX for Brazil and Klarna BNPL for Europe and the US — all through a single integration. Okapay supports 135+ currencies and 160+ countries, with fast and transparent settlements. Standard processors often impose regional restrictions, delayed settlements, and unexpected payout holds.

> [accordion] Risk Management
>
> Okapay uses advanced machine learning fraud protection and intelligent real-time monitoring tailored to your merchant profile. Generic rule-based risk engines at standard processors frequently block legitimate transactions or miss novel fraud patterns. With Okapay, fraud rules are dynamic and configurable per merchant.

> [accordion] Developer Experience
>
> Integrate with the Okapay REST API, PHP SDK, Laravel package, or WordPress plugin in minutes. Webhooks, full API documentation, and SDK support are included on every plan. Standard processors often require complex custom integrations with limited flexibility and sparse documentation.

> [accordion] Support
>
> Every Okapay merchant gets a dedicated account manager — a real payment expert who understands your business. There are no automated bot queues or generic canned responses. Enterprise merchants receive 24/7 SLA-backed support with dedicated integration engineers.

> [card] [Get Started](https://docs.okapay.net/quickstart.md)
>
> Create your merchant account and process your first payment in minutes.

> [card] [Contact Sales](mailto:support@okapay.net)
>
> Talk to the team about Enterprise pricing or a custom integration plan.


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