Article facts
| Factor | Why it matters |
|---|---|
| Industry | Risk profile and provider acceptance |
| Ownership structure | Complexity of the review |
| Registration and operating jurisdictions | Where the company and its activity sit |
| Expected monthly transaction volume | Scale of the relationship |
| Average and maximum transaction value | Shape of the activity, not just its size |
| Acquiring settlement volume | Merchant flows specifically |
| Required currencies | Which balances and rails are enabled |
| Payment corridors | Where money comes from and goes to |
| Number of account identifiers | Dedicated and virtual IBANs included |
| Compliance complexity | Ongoing effort the relationship requires |
| Requested limits | Amounts the company needs to move |
| Last reviewed | 2026-09-09 |
Why volume alone does not set the price
Two companies moving the same monthly total can present very different profiles. A hundred payments of similar size in one corridor is not the same as three large payments across several jurisdictions, and neither is the same as settlement flows from four acquiring providers.
Average and maximum transaction value, corridors and settlement volume are on the list for that reason.
What you can do about it
- Describe the activity accurately, including peaks. A profile built from a quiet month leads to limits and pricing that need revisiting.
- Ask for the identifiers you have a use case for, rather than a round number.
- Have acquiring agreements and processing statements ready if you are a merchant — they evidence the volumes the pricing is built on.
- Raise anything unusual during onboarding rather than after the offer.
When the price is fixed
The customer receives final pricing after the business and payment profile has been reviewed. It is stated in the individual commercial offer and the current pricing schedule, which govern rather than any figure published on this site.
Frequently asked questions
Can we negotiate? Pricing follows the profile. Providing accurate, complete information about the activity is what shapes it.
Will the price change if our volumes grow? Change mechanics are governed by your documentation. A material change in activity is also something you should report.
Are third-party charges included? No. Correspondent and intermediary charges and beneficiary-bank or acquiring-provider fees sit outside the pricing schedule.
Where do we see the final figures? In your individual offer and current pricing schedule.
This article is explanatory. The individual commercial offer and current pricing schedule prevail.