Final uses a transparent, pay-as-you-go billing model. You are not charged for simply designing flows; costs only apply once you start accepting payments through Final-powered checkouts.
There are two billing paths for card payments, depending on whether you use Final Pay or choose to connect a third-party payment processor.
When you choose to process payments using Final Pay, you are not charged any platform fees. You only pay a simple per-transaction processing fee based on your region.
Europe: 1.49% + €0.10
North America: 2.49% + $0.20
Other Regions: 2.69% + $0.25
Instant payout: +0.69%
American Express (AMEX): +1%
No setup fees, monthly fees, or hidden charges
Instant approval, no credit check required
Accepts all modern card types
Built-in support for Tap to Pay using NFC-enabled devices
Full integration with Final hardwares and flows
Final Pay eliminates all platform fees. You continue to pay only the processing rates, costs you would incur with any provider, while gaining full access to the Final’s Tool Suite.
For payments not processed through Final Pay, handled by a third-party provider, a platform fee of 1% is added for each successful transaction recorded through Final. You are also responsible for any processing fees billed by your own payment processor. For large payment volumes custom rates may apply.
These fees are calculated monthly based on total successful transactions across all flows. Failed, voided, or refunded payments are excluded.
Tip for Scale Users:
If you're distributing checkout solutions to other businesses, you can eliminate platform fees on card transactions by having your clients process payments through Final Pay.
Your clients pay only the standard processing fee per transaction
You are not charged platform fees for payments processed through Final Pay
It’s a win-win: your clients get a fully integrated, cost-effective payment and POS system, while you gain full access to Final’s Tool Suite with no additional fees on card payments.
