PRICING · volume-based · no per-seat fees
Whaliepay charges a flat monthly platform fee per routed-volume tier. No per-seat fee, no per-PSP integration tax, no FX markup hidden in the rate. Bring your own PSP contracts and pricing — we never take a rev share.
Up to 5 PSPs, full routing engine, observability console, EU-hosted.
All 18 PSPs, FX optimisation, A/B routing tests, Slack & PagerDuty alerts, dedicated success engineer.
Custom pricing, multi-entity ledger, custom PSPs, white-label, named team, 15-min critical reply.
All plans · month-to-month · no setup fee · cancel from console anytime · FX margins passed through at cost · annual billing −15%
Every feature, on every plan. The big differences are PSP count, region coverage and the response time on support — everything that matters to the routing engine itself is included at every tier.
| Capability | Growth | Scale | Enterprise |
|---|---|---|---|
| Routing engine | |||
| Smart routing (18 PSPs ranked live) | ✓ | ✓ | ✓ |
| Cascading retries | ✓ | ✓ | ✓ |
| A/B routing tests | — | ✓ | ✓ |
| What-if simulator | — | ✓ | ✓ |
| BIN-level routing | ✓ | ✓ | ✓ |
| Custom merchant rules | 10 rules | unlimited | unlimited |
| PSPs & rails | |||
| PSPs connected | 5 | 18 (all) | 18 + custom |
| A2A providers (Trustly, Tink, etc) | ✓ | ✓ | ✓ |
| Wallets (Apple, Google, Samsung) | ✓ | ✓ | ✓ |
| Custom PSP integration | — | — | ✓ |
| Optimisation | |||
| FX optimisation engine | — | ✓ | ✓ |
| 3DS exemption optimizer | ✓ | ✓ | ✓ |
| Fraud signal aggregation | — | ✓ | ✓ |
| Ledger & reporting | |||
| Unified ledger | ✓ | ✓ | ✓ |
| Bank reconciliation | 4h SLA | 2h SLA | 1h SLA |
| Multi-entity consolidation | — | — | ✓ |
| ERP exports (NetSuite, Sage, SAP) | ✓ | ✓ | ✓ |
| Security & ops | |||
| SAML SSO + SCIM | ✓ | ✓ | ✓ |
| EU data residency | ✓ | ✓ | ✓ |
| Region-specific (DE/FR/NL) | — | — | ✓ |
| SLA | 99.95% | 99.99% | 99.99% |
| Audit log retention | 13 months | 7 years | 10 years |
| Support | |||
| Email support | <4h | <1h | <15m |
| Dedicated success engineer | — | 1 | named team (3) |
| Quarterly business review | — | ✓ | ✓ |
Add only the features you need. Each is priced per routed transaction, billed monthly in arrears, and can be turned off in the console at any time. No commitment past the month.
Frictionless authentication routing. We pick the rail with the best frictionless rate per BIN range and shopper-risk profile.
Choose the cheapest FX rail per currency pair — interbank, your settlement bank or the acquirer. Saves 60-180 bp on average.
First 100k stored cards free per merchant. Above that, pay per stored card per month for the cross-PSP token vault.
Need a PSP we don't yet support? We'll build the integration in 4-8 weeks, validate it in shadow mode, and add it to your routing pool.
Run the Whaliepay console under your own brand. Custom domain, custom colours, custom email sender. For platforms that resell payment orchestration.
Run your routing engine in a country-specific cluster — Germany, France, Netherlands, Ireland — for regulated industries that need it.
Move the inputs to your real monthly card volume and your current auth rate. The calculator projects the routing uplift using the +4.6% median we measure across our customer base, then subtracts the platform fee to give you the net.
Calculation assumes the median +4.6% auth-rate uplift we measure across our customer base in the first 90 days. Your actual uplift depends on your starting auth rate, your geography mix, and your basket composition. A full routing audit refines this within 5 working days.
A French B2C marketplace processing €10M per month across 14 European countries. Sat at 91.4% auth on a single-PSP setup. Twelve months on Whaliepay's Scale tier: auth rate up to 95.5%, 3DS frictionless up to 74%, FX margin saved 120bp per converted transaction. Net annual gain €2.4M after platform fee, audited by their CFO and shared on stage at Money 20/20.
No. Scale and Enterprise tiers include all 18 PSPs. Growth includes 5; adding more is part of an upgrade, not a per-integration tax. We never take a rev share from your PSP contracts — you keep the rates you negotiated.
No setup fee on Growth or Scale. Enterprise deployments occasionally include implementation work (multi-entity ledger, custom PSP) that is scoped and quoted upfront. Implementation is billed in milestones, never as a hidden multiplier on the licence.
We don't auto-upgrade you and we don't bill overage at a punitive rate. If your volume sits above the tier for two consecutive months, we send a tier-change proposal. You can accept it, stay where you are at standard rates, or move to annual billing.
You can downgrade from one month to the next, with no penalty. We've had several customers move between Growth and Scale across high and low seasons. The console exposes the projected next-month bill so finance always knows what's coming.
Yes — annual billing comes with a 15% discount on the platform fee, and locks in your tier rate for 12 months even if our list price changes. Most Scale and Enterprise customers move to annual after their first quarter.
FX margins are passed through at cost — we never mark up the rate. The FX optimisation engine itself is a per-converted-transaction add-on (€0.012), but the conversion rate you get is the one your settlement bank or chosen acquirer quotes. No hidden basis points.
No. We charge a flat monthly platform fee per tier, plus per-transaction add-ons only for the features you turn on. We never take a percentage of the GMV, never take a rev share with the PSPs, and never see the merchant's bank account.
Multi-entity groups (a holding plus 3+ subsidiaries) are scoped on the Enterprise tier. The platform fee covers the consolidated routing; the per-entity ledger and reconciliation are included. We've onboarded groups with up to 22 subsidiaries on a single Enterprise contract.
We don't run a free trial — orchestration platforms are too deep to evaluate in 30 days. Instead, we run a free routing audit on your real declined-transaction CSV, sign an NDA, model the projected uplift, and share the result as a PDF in 5 working days. No commitment past that.
Yes — cancellation is one click in the console. We keep your data accessible for 90 days post-cancellation so finance can close out the books, then it is deleted per our DPA. No retention fees, no exit interview, no penalty.
Bank transfer (SEPA / wire / ACH) is the standard. We accept card payment via Stripe for self-serve Growth-tier customers, with a 1.5% processor surcharge passed through. Net-30 on standard contracts, net-60 on annual.
For registered non-profits and accredited research institutions processing under €1M annually, we offer a heavily discounted Growth tier — €750/month including all routing features. Reach out via the contact form with the non-profit registration ID.
Tell us your monthly card volume, your current PSPs, and your geography mix — we'll come back with a quote that fits in 24 hours.