Pricing
Compare payment modes, transaction rates, and other fees.
Choose Merchant of record or Pandabase Direct. There are no monthly fees, setup fees, or minimum commitments. Transaction fees apply to successful payments; other fees are listed below.
All prices are in USD. These rates apply to software and digital products. Other business categories are priced at 8–9%. Contact sales for a quote.
Plans
Merchant of record — 5.9% + 50¢
Pandabase is the legal seller and handles payments, tax, disputes, and payouts for you.
Pandabase Direct — 3.9% + 29¢
You remain the legal seller. Payments run through our processing partners, and you keep responsibility for tax, disputes, and fraud liability.
Custom
Contact sales for rates based on your payment volume and business needs.
Merchant of record
5.9% + 50¢ per successful transaction.
- +1.5% for cards and alternative payment methods outside the US
- +0.5% for subscription payments
Included:
- Pandabase is the legal seller of record
- Sales tax, VAT, and GST filed and paid
- Fraud screening and dispute handling
- Processor fees
- Checkout, billing, and invoicing
Pandabase Direct
3.9% + 29¢ per successful transaction, plus Interchange++ fees from our payment processing partner, passed through at cost.
Included:
- Checkout, billing, and invoicing
- The same payment methods and currencies as Merchant of record
Your responsibilities:
- Tax registration and filing
- Dispute and fraud liability
Custom
Contact sales if you process a high volume of payments or need different rates. Custom plans can include:
- Volume discounts
- Multi-product pricing
- Country-specific rates
- Dedicated support
Compare plans
The main difference is who acts as the legal seller. With Merchant of record, Pandabase handles tax and disputes. With Pandabase Direct, those responsibilities stay with you.
| Feature | Pandabase Direct | Merchant of record |
|---|---|---|
| Checkout, cards, wallets, and local methods | Included | Included |
| Billing, invoicing, and payment links | Included | Included |
| Legal seller of record | You | Pandabase |
| Sales tax and VAT registration | You register | Included |
| Tax filing and remittance | You file | Included |
| Dispute handling and liability | You | Included |
| Billing support for buyers | Included | Included |
| Processor fees | Passed through | Included |
Payments
| Product | Plan | Rate |
|---|---|---|
| Cards and wallets | Merchant of record | 5.9% + 50¢ per successful transaction |
| Bank and local payment methods | Merchant of record | 5.9% + 50¢ per successful transaction |
| Adaptive currency | Merchant of record | 3–4%, paid by the customer, not you |
| Cards, wallets, and local methods | Pandabase Direct | 3.9% + 29¢ + Interchange++ |
| Standalone 3DS | Both | $0.12 per authentication |
| Hosted, embedded, and in-app checkout | Both | Included in the standard rate |
- Cards and wallets: Visa, Mastercard, American Express, Discover, Apple Pay, and Google Pay, online and in-app.
- Bank and local payment methods: iDEAL, Pix, UPI, Pay by Bank, Alipay, WeChat Pay, and more.
- Adaptive currency: show prices in the buyer's local currency at checkout.
- Standalone 3DS: ask the cardholder's bank to verify a card payment before you charge it, so eligible fraud liability shifts to the issuer.
With Merchant of record, cards and alternative payment methods from outside the US add 1.5%, and subscription payments add 0.5%.
Billing and disputes
| Product | Rate |
|---|---|
| Recurring and usage-based billing | +0.5% per subscription payment, on top of the transaction rate |
| Invoices | Included in the standard rate |
| Dispute handling | $30 per dispute |
| Dispute prevention | $30 per dispute prevented |
- Recurring and usage-based billing: plans, seats, credits, trials, proration, and failed payment retries.
- Invoices: hosted invoice pages with automatic reminders and receipts.
- Dispute handling: we respond to chargebacks with evidence on your behalf.
- Dispute prevention: resolve disputes with the card issuer before they become chargebacks.
Payouts and other services
| Product | Rate |
|---|---|
| US payouts | $1 per ACH payout |
| International payouts | 2–4% + $1 per payout, depending on the country |
| Ledger (alpha) | Free during alpha |
| Vault (alpha) | Free during alpha |
- Ledger: post balanced entries and close periods over the API.
- Vault: tokenize cards and sensitive data through our vault.
Example payment
A customer in the US pays $49.00 for a one-time purchase, sold with Pandabase as merchant of record:
| Amount | |
|---|---|
| Sale | $49.00 |
| Pandabase fee (5.9% × $49.00 + 50¢) | -$3.39 |
| You keep | $45.61 |
You keep $45.61 after the transaction fee. Payout fees and any other applicable charges are separate.
Follow Start selling to set up your Workspace and accept your first payment.