Two parts, one rate
Each fee is a percentage of the payment plus a flat 40 cents. On Free and Brand that is 4.9% + $0.40. On Pro it is 4.2% + $0.40.
Plans
Pick a plan, keep the same checkout
Every plan takes card payments the same way, through links, codes, invoices, and subscriptions. The rate below is what each payment costs you.
Free
$0/ month
Everything you need to collect your first card payment today.
Transaction fee
4.9% + $0.40
Charged on each payment you receive.
QR code payments and payment links- Invoicing and email receipts
- Subscriptions on any schedule
- Mobile app and merchant portal
Brand
$5.99/ month
Your logo and colours on everything the customer sees.
Transaction fee
4.9% + $0.40
Same rate as Free.
- Everything in Free
- Custom branding across checkout
- Branded emails
- Bulk emailing
Pro
$14.99/ month
A lower rate on every payment, plus team and reporting tools.
Transaction fee
4.2% + $0.40
0.7 percentage points below Free and Brand.
Everything in Brand- Unlimited team members
- Pass fees to customers
- CSV export, audit trails, activity logging
- Priority support and higher limits
Free to download, no hidden fees, cancel any time. Pricing is the same in every country Atlas Pay serves.
How the fee works
Who pays the fee is your choice on Pro
By default the fee comes out of the payment before it reaches you. On Pro you can turn that around so the customer covers it instead.
Deducted by default
Normally the business absorbs the fee: the customer is charged the price you set, and the fee is taken off before the money is paid out to your bank.
Or passed to the customer
Switch on “pass fees to customers” and the fee is added to the amount at checkout, so the customer pays it instead of the business and you receive the full price you listed.
Passing fees to customers is a Pro feature. It changes who the fee is charged to, not how much it is.
Compare
Every feature, plan by plan
Free carries the core payment tools. Brand adds branding and bulk email. Pro adds the lower rate plus team, reporting, and audit features.
A tick means the feature is included on that plan.
Scroll the table sideways to see every plan. The feature column stays in place.
| Feature | Free $0 / month 4.9% + $0.40 per payment | Brand $5.99 / month 4.9% + $0.40 per payment | Pro $14.99 / month 4.2% + $0.40 per payment |
|---|---|---|---|
| QR code paymentsScan-to-pay codes for in-person sales | Included | Included | Included |
| Payment linksShare by WhatsApp, email, social, or text | Included | Included | Included |
| Email receiptsSent to the customer after each payment | Included | Included | Included |
| InvoicingBill a customer and collect on the invoice | Included | Included | Included |
| Custom brandingYour logo and colours on the checkout | Not included | Included | Included |
| Bulk emailingReach a list of customers in one send | Not included | Included | Included |
| Team membersExtra people working in your account | Not included | Not included | Unlimited |
| Mobile appiOS and Android, take payments on the go | Included | Included | Included |
| Merchant portalThe web dashboard for your business | Included | Included | Included |
| SubscriptionsRecurring billing from weekly to yearly | Included | Included | Included |
| Pass fees to customersThe customer pays the transaction fee instead of the business | Not included | Not included | Included |
| Priority supportYour tickets move to the front of the queue | Not included | Not included | Included |
| Export CSVDownload your records for accounting | Not included | Not included | Included |
| Audit trailsA record of what changed and who changed it | Not included | Not included | Included |
| Full activity loggingEvery action in the account, kept on file | Not included | Not included | Included |
| Branded emailsReceipts and notices in your own identity | Not included | Included | Included |
| Custom templates and higher limitsReusable layouts and more room to operate | Not included | Not included | Included |
Pricing FAQ
Questions about what you pay
Nothing monthly. The app is free to download and the Free plan is $0 a month. You pay 4.9% + $0.40 on each payment you take, and nothing when you are not taking payments.
It has a percentage part and a fixed part. On Free and Brand the fee is 4.9% of the payment plus $0.40. On Pro it is 4.2% plus $0.40. The fixed 40 cents is the same on all three plans.
It means the customer pays the transaction fee instead of the business. With it switched off, the fee is deducted from the payment and you receive the remainder. With it on, the fee is added at checkout, so the customer is charged your price plus the fee and you keep the full listed amount. It is available on Pro.
Brand is about appearance: it puts your branding on the checkout and your emails, and adds bulk emailing. Pro is about cost and control: the rate drops to 4.2% + $0.40, and you get unlimited team members, CSV export, audit trails, full activity logging, priority support, custom templates, and higher limits. Which one pays for itself depends on how much you collect each month.
Yes. You can move between Free, Brand, and Pro, and you can cancel a paid plan at any time. There are no hidden fees and no long-term contract.
Visa, Mastercard, and American Express, plus Apple Pay, Google Pay, Amazon Pay, and Cash App Pay where they are eligible. Wallet availability depends on the merchant account, the customer’s device, the region, and the currency; cards are always the fallback.
Get started
Start taking card payments today
Free to download
No monthly fee on Free
Live in 28 countries