Pricing

One fee per successful payment: a percentage of the gross amount (plus, in the US, a fixed part), rounded up to the penny or cent once. No monthly fee, no setup fee, no minimum fee, and nothing for a payment that fails or is declined. Our fee is never more than the payment. Holding a Tuppence card does not change the price — it earns cashback.

Price lists v2 (UK) and v2 (US), in force from 2026-09-24. The full rate card is at tuppence.ai/pricing/rates.

United Kingdom (GBP)

	Fee
Consumer cards issued in the UK	0.79% per successful payment
American Express	+1.00%
Commercial (corporate) cards	+2.00%
Cards issued outside the UK	+2.00%

Surcharges stack: every one that applies is added. A commercial card issued outside the UK pays 0.79% + 2.00% + 2.00% = 4.79%.

The same price for payments, payment links, subscriptions and credit top-ups.

Refunds	free to make — the payer gets the whole amount back; our original fee is not returned
Disputes	£15, only if the dispute is lost — nothing if you win
Failed or declined payments	nothing

The smallest payment a card can make is 30p.

Worked examples

Quoted by the same engine that charges them:

Payment	Our fee	You keep
A £20 payment on a UK debit card	16p	£19.84
A £100 payment on a UK consumer card	79p	£99.21
A £100 payment on an American Express card	£1.79	£98.21
A £100 payment on a UK corporate card	£2.79	£97.21
A £100 payment on a card issued in the US	£2.79	£97.21
A £100 payment on a corporate card issued in the US	£4.79	£95.21
A 30p payment	1p	29p

United States (USD)

Note

The US price list is in test mode while USD live payments are prepared: test payments are priced with it today, and live USD payments open once it is confirmed.

	Fee
Cards issued in the US — consumer, commercial and American Express alike	2.49% + 20¢ per successful payment
Cards issued outside the US	+1.50%

The same price for payments, payment links, subscriptions and credit top-ups.

Refunds	free to make — the payer gets the whole amount back; our original fee is not returned
Disputes	$15, only if the dispute is lost — nothing if you win
Failed or declined payments	nothing

The smallest payment a card can make is 50¢.

Worked examples

Quoted by the same engine that charges them:

Payment	Our fee	You keep
A $20 payment on a US card	70¢	$19.30
A $100 payment on a US card — American Express or corporate too	$2.69	$97.31
A $100 payment on a card issued outside the US	$4.19	$95.81
A 50¢ payment	22¢	28¢

Prepaid credit and usage

A customer buys credit with an ordinary card payment — the card rate, once. Every use of that credit afterwards costs nothing: no card fee per task, per call, per unit. Unused credit can be refunded to the card it came from; as with any refund, our fee on the top-up is not returned.

If your payments are small

There is no minimum fee. In the UK there is no fixed part either, so a small payment costs its percentage and no more — 30p costs 1p.

In the US every payment also pays the fixed 20¢. At or below $8.03 that fixed part is at least half the fee, so the fee is at least double the rate as a share of the payment — a 50¢ payment costs 22¢. That is the one shape of traffic cards are bad at, and we would rather say so than take the money quietly:

• your dashboard shows what your smallest payments cost and what the same money would have cost as credit (GET /v1/account/small_tickets has the same numbers);
• the SDKs pass on a one-off notice the first time you create a payment that small;
• you can set your own floor — minimum_payment_amount on your account, or Settings → Business — and a payment under it is refused amount_too_small, so an agent cannot make payments worth less than they cost you.

Payouts

Standard payouts are free. Your balance is paid out every week once it reaches £50 ($50 in the US), and at the end of each month anything above £1 is paid out too. A new business’s first payouts start seven days after its first live payment. Instant payouts — 0.99% of the amount — are coming; they are not available yet.

Tuppence cards

	Fee
Virtual cards	no fee at present
Your physical card	free — and free to replace
Spending in another currency	no fee from us — the card network’s own exchange rate applies

Any card fees are listed, one by one, on your monthly statement, and come off your cashback first.

Cashback

Holding and using a Tuppence card earns 0.89% back on eligible card spending in the UK, and 1.00% in the US — paid monthly, on all eligible card spending.