Payment Cost Calculator
Calculate exactly how much you'll save with payware's 0.5% A2A payments. See your cost savings compared to Stripe, Square, Adyen, and traditional card networks.
Calculate Your Savings
Your Savings
Current Provider
payware
Note: Rates vary by region. Select your region above for accurate calculations. Contact us for exact pricing in your geography.
Fee Comparison
See how payware compares to major payment processors
| Provider | Transaction Fee | Fixed Fee | Cost on $50 | Cost on $100,000/mo |
|---|---|---|---|---|
| payware | 0.5% | $0.00 | $0.25 | $500 |
| Stripe | 2.9% | $0.30 | $1.75 | $2,900+ |
| Square | 2.6% | $0.10 | $1.40 | $2,600+ |
| Adyen | 0.6-1.0% | + interchange | ~$1.00 | $600-1,000+ |
| Card Networks | 2-3% | Variable | $1.00-$1.50 | $2,000-$3,000 |
Why such a massive difference?
Traditional payment processors route transactions through card networks (Visa, Mastercard) which add multiple layers of fees. payware uses direct Account-to-Account (A2A) payments, eliminating intermediaries and passing the savings to you.
Beyond lower costs
payware delivers more than just savings—it unlocks new capabilities
Instant Settlement
Get paid in real-time instead of waiting 2-3 days. Improve cash flow and eliminate settlement delays.
7 Payment Methods
QR codes, NFC, text, link, barcode, BLE, and soundbite—reach customers everywhere cards can't.
Minimal Chargebacks
Bank authentication eliminates chargeback fraud. No more disputes months after the sale.
New Revenue Models
Build revenue-sharing ecosystems and embedded platforms—impossible with card networks.
No PCI Compliance
No card data means no PCI compliance burden. Save on audits, certifications, and security costs.
Open Standards
No vendor lock-in. Build on universal payment protocols that work across the network.
Ready to transform payment economics?
Lower costs, instant settlement, and payment initiation methods that unlock new revenue streams
Frequently Asked Questions
How much can I save with payware?
Most merchants save 80-85% on payment processing fees. With traditional card networks charging 2-3% plus fixed fees, and payware charging as low as 0.5% (rates vary by region), the savings are substantial. For example, on $100,000 in monthly transactions, you could save approximately $2,000-$2,400 per month, or $24,000-$28,800 annually.
What is the payware transaction fee?
payware charges as low as 0.5% per transaction with no fixed fees (rates vary by region). This is significantly lower than traditional payment processors like Stripe (2.9% + $0.30), Square (2.6% + $0.10), or card networks (2-3%).
Are there any hidden fees with payware?
No hidden fees. payware's transparent pricing starts from 0.5% per transaction (varies by region). No monthly fees, no setup fees, no PCI compliance fees, and no chargeback fees like traditional card processors.
How does A2A payment enable such low fees?
Account-to-Account (A2A) payments bypass card networks entirely, eliminating interchange fees, scheme fees, and processing markups. Money moves directly between bank accounts using modern payment rails, dramatically reducing costs.
Can I use payware alongside my existing payment processor?
Yes! Many merchants start by offering payware as an additional payment option alongside cards. As customers adopt the lower-cost option, your fees naturally decrease over time.
Start saving on every transaction
Join merchants saving 80-85% on payment fees while unlocking innovative payment experiences