Payment Processing Fees

Simple, Transparent, Built for High–Risk Businesses

With PayBito, you get a payment processor engineered specifically for high–risk merchants who need reliability, clarity, and speed. No hidden costs. No complex fee tiers. Just straightforward pricing designed to help your business grow.

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Flat 2%

Transaction Fee

0

No Rolling Reserves

1 Day

Same–Day Settlement

PayBito Merchant Dashboard

Flat Transaction Fee — Always Predictable

Same Day

Settlement

Reserves Held

Zero

Hidden Fees

Global

Merchants

High Vol.

Supported

Simple

Onboarding

The Problem

Why Transparent Fees Matter

Traditional payment processors often burden high-risk merchants with unclear pricing, reserve requirements, and delayed settlements — restricting cash flow and slowing growth. PayBito eliminates those challenges.

Full Pricing Clarity

Know exactly what you pay every transaction. No surprise fees or tiered pricing jumps that make forecasting impossible.

Improved Cash Flow

Eliminate reserve holds and access your funds immediately — improving working capital and keeping operations running smoothly.

Accurate Forecasting

A simple fee model removes operational uncertainty so you can plan revenue and expenses with confidence every month.

Merchant-First Design

PayBito removes the barriers that traditional processors impose on high-risk businesses, giving you the reliability you deserve.

Our Pricing Model

Three Core Pricing Advantages

Built specifically for high-risk merchants — every feature of our pricing model is designed to remove friction and accelerate your growth.

Flat 2% Transaction Fee

Most processors use tiered or variable pricing models that make forecasting difficult. PayBito keeps it simple with one transparent rate.

One flat 2% transaction fee
No volume-based price jumps
No hidden gateway charges
No setup or monthly fees

Accurate financial planning & better profit visibility

No Rolling Reserves

Rolling reserves can lock away a portion of your revenue for months, limiting liquidity. PayBito removes this restriction entirely.

Immediate access to your funds
Stronger working capital
Better cash-flow control
No funds withheld for months

Full control over your revenue from day one

Same-Day Settlement

Fast settlement is critical for high-risk industries. PayBito provides same-day settlement so you can reinvest revenue immediately.

Reinvest revenue faster
Manage operational expenses efficiently
Scale without cash-flow delays
No 2–7 day waiting periods

Faster growth through quicker capital recycling

Side by Side

What Makes This Fee Model Different?

See exactly how PayBito stacks up against traditional payment processors on every dimension that matters to high-risk merchants.

Feature	Traditional Processors	PayBito Recommended
Transaction Fees	Variable / Tiered	Flat 2% — Always
Hidden Charges	Gateway + Processing Fees	None Whatsoever
Settlement Speed	2–7 Business Days	Same Day
Rolling Reserves	5–15% Withheld	No Reserves
Contract Terms	Complex & Lengthy	Simple Onboarding
High-Risk Merchants	Often Declined	Purpose-Built Support
Payout Access	Delayed Payouts	Same-Day Settlements

Who It's For

Built for High–Risk Merchants

Whether you operate in industries often overlooked by traditional processors, or you simply need a faster and more flexible payment solution, this platform is designed to support:

Global Merchants

Accept payments from customers worldwide without geographic restrictions, complex multi-currency fees, or cross-border delays slowing your revenue.

High-Volume Businesses

Process thousands of transactions confidently with a flat-rate model that scales with your growth — no tiered pricing traps that penalize success.

Rapidly Scaling Platforms

Growing fast? Our infrastructure handles volume spikes while keeping fees predictable as you expand into new markets and customer segments.

Start Processing Payments

Process Payments with Confidence

If you're searching for a payment processor that prioritizes clarity, speed, and merchant-friendly pricing, this is your solution.

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No Hidden Fees

Same-Day Settlement

Zero Rolling Reserves

Simple Onboarding

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