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How Billing Works on PEND

In this article, we outline the various charges associated with using PEND payment connectors.

Updated over a month ago

PEND collects different types of fees for the use of our payment connectors. Some fees are charged annually, while others are typically billed monthly. Below, you’ll find detailed information regarding these charges.

What Payment Method is Charged?

Charges are applied to the payment method on file in your account, which is usually saved automatically when you subscribe to your first payment integration.

To view or change your saved payment method, navigate to the Settings section and select Billing. Or click here. Please note that while you cannot remove a payment method, you can replace it as needed.

Good to know: You will receive an email notification if the payment method on file is about to expire.

What Charges Can I Expect?

Several charges may apply when using our payment connectors:

1. The yearly subscription fee

This fee is charged annually for the generic use of the payment integration. If you have multiple subscriptions, you will receive individual invoices for each, and they will be charged separately.

The subscription will auto-renew for another year unless canceled by the end of the day before the renewal date.

Important: You will receive an email notification 14 days before the renewal date, providing ample time to cancel if you choose not to renew. This email will include a direct link to your subscription for easy cancellation.

2. Platform Fee

This usage-based fee is a percentage (typically around 0.3%) of your Gross Merchandise Value (GMV)—the total amount processed through your payment connector.

Refunds are not factored into the GMV. The platform fee is usually invoiced monthly for the previous month’s usage.

We employ a dynamic system to determine the optimal time to charge outstanding usage, which may result in longer billing periods. In rare instances, platform fee charges may only appear once a year or even less frequently.

If you have multiple subscriptions, you will receive a consolidated invoice that includes all applicable fees for each subscription.

Note: We are actively enhancing our system to facilitate more regular billing periods for all merchants.

3. Authorization Fee

For certain payment connectors, we charge a fixed amount (e.g., 0.18 CHF) per authorization. This charge typically applies to credit card connectors, where an authorization occurs prior to charging the card. Authorizations also include instances of declined transactions.

The authorization fee is typically invoiced monthly alongside the platform fee, following the same dynamic billing structure (see above)

4. Taxes

All prices are quoted exclusive of VAT. The applicable VAT will be added to the total amount and detailed on your invoice.


Other fees unrelated to PEND

As part of the payment process, you may encounter additional costs that are not associated with PEND. These fees include:

  • Charges from Your Shop System: Fees imposed by your shop platform (e.g., Shopify or Wix) may vary based on your selected plan with them.

  • Payment Method Fees: These are fees related to the specific payment methods used, such as acquiring fees for Visa or TWINT payments. These charges are typically deducted directly from the payout you receive.

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