Pricing
Volume-tiered. Transparent FX. Built for infrastructure.
Pockyt's pricing scales with your volume across four levers: per-transaction fees on Checkout and Payouts, FX spread on currency conversion, and platform pricing for Virtual Accounts and Programmable Logic. No platform fees in the standard model.

Why we don't publish line-item rates here. Pricing varies meaningfully by volume, currency mix, payment-method mix, and corridor. A US-only card processor and a multi-corridor marketplace pay very different rates — and a flat published number would be misleading either direction. The model below explains how pricing actually works; for a quote against your specific volume, talk to our team.

How Pricing Works
Four levers. One contract.
Pockyt prices across the four primitives. Each lever has a standard volume tier; enterprise contracts negotiate against the whole bundle. No bundling tricks and no hidden fees.
Checkout · Per transaction

Per-transaction fee on collections.

Standard per-transaction fee on Checkouts and Bank-rail Collection. Fee varies by payment method and corridor — card rates differ from local-rail rates differ from B2B wires.

  • Cards (Visa, MC, Amex): interchange-plus or blended, your choice
  • Local methods (Pix, UPI, Alipay, etc.): typically lower than card rates
  • Bank rails (wires, ACH, RTP): fixed fee per transfer, not percentage
  • Volume tiers: rates step down as monthly volume grows
Payouts · Per transaction

Per-payout fee by destination rail.

Standard per-transaction fee on Payouts. Like Checkout, the fee depends on the destination rail — bank, mobile wallet, push-to-card, or on-chain.

  • Local bank rails: fixed fee per payout
  • Mobile wallets: per-payout fee plus rail-specific cost
  • Push-to-card: per-payout fee
  • On-chain USDC: network fee plus a thin operational fee
FX · Spread on conversion

Mid-market + transparent spread.

Every currency conversion happens at mid-market rate plus a transparent spread, expressed in basis points. You see the quote, the rate, the spread, and the expiration before you execute.

  • No wholesale margin: we don't quote against a non-mid-market base
  • Spread in basis points: stated up-front, not buried in the rate
  • Stablecoin conversions: typically tighter spreads than fiat-to-fiat
  • Volume tiers: spread tightens as conversion volume grows
Platform · Virtual Accounts & Programmable Logic

Platform pricing for infrastructure use.

Holding balances, issuing sub-accounts, and running Programmable Logic rules are platform-level — included in standard contracts up to defined thresholds, priced per-unit above them.

  • Virtual Accounts: included up to a threshold; per-account beyond
  • Sub-account issuance: per-account fee at platform scale
  • Programmable Logic: rule executions metered above a free tier
  • No platform fee in the standard model — only usage-based
Volume Tiers
How Pricing sales with volume.
Three broad tiers below describe how Pockyt's pricing structure changes as monthly volume grows. The exact rates within each tier depend on your method mix, corridor mix, and operational profile.
Startup tier

Build, then grow.

Standard per-transaction rates. Standard FX spread. Platform features included up to defined limits. No minimums. Designed for teams starting their first cross-border integration with monthly volume under $1M.
Enterprise tier

Custom on everything.

Bespoke contracts negotiated across all four levers. Volume commits, treasury-funded platform features, dedicated support, custom SLA, named integration team. For platforms moving $50M+/month through Pockyt.
What's Included
Things not on the invoice.
These come standard in every Pockyt contract regardless of tier. They're table stakes for infrastructure, and we don't charge for them separately.

Onboarding and integration support

A named technical contact during integration. Slack or Teams channel direct to our integration engineers. No tier-1 ticket gating, no per-seat pricing for the team that talks to you.

Compliance and KYC/KYB infrastructure

Pockyt's KYC, KYB, and AML infrastructure is part of the platform. You don't pay separately for compliance checks — they're built into the per-transaction model.

The API, MCP server, and SDKs

The full API surface, the hosted MCP server, and our SDKs in TypeScript, Python, Go, and PHP are part of every contract. No per-API-call pricing or developer-seat licensing.

Reconciliation and reporting

One ledger, one settlement file, real-time dashboard. No data export fees, no archive fees, no reporting tier.

Frequently Asked
The questions we get most.

Can I get an actual rate sheet?

Yes — through Sales. Rates depend on volume, methods, corridors, and the contract structure. We can give you a written rate sheet within a few business days of an initial conversation, including a worked example against your projected volume.

Are there setup fees, monthly minimums, or platform fees?

No monthly minimums in the standard contract. No platform fee in the standard model — only usage-based pricing on the four levers above. Enterprise contracts may include volume commitments in exchange for tighter rates.

How does FX pricing compare to other providers?

Most payment processors quote against a wholesale rate that's already marked up before you see it. Pockyt quotes against mid-market and discloses the spread separately, in basis points. Apples-to-apples, our blended rate is typically meaningfully lower — though the exact comparison depends on the corridor and the volume.

Do you charge for failed transactions?

No fee on failed Checkouts attempts. No fee on Payouts that don't settle. Programmable Logic dry-runs and rule failures don't count toward billed executions.

Can I model my projected costs before signing?

Yes. Pockyt's solutions team will build a pricing model against your projected volume, method mix, and corridor mix as part of the sales process. You see the math before you commit.

How does pricing work for stablecoin payouts?

USDC payouts on-chain are typically much cheaper than fiat payouts — there's no correspondent banking, no FX leg, just a network fee and a thin operational fee. Specific rates depend on volume and the chains you settle on.

Get a rate sheet.

Tell us about your volume, your method mix, and your corridors. We'll send back a written rate sheet against your specific business — usually within a few business days.