Pricing

Our pricing model is built on full transparency. We charge fees on a transaction basis, without any hidden costs. For each transaction, we charge a fixed processing fee + a fee determined by the payment method.

ALWAYS INCLUDED
Sana Commerce Cloud: Essential, Pro, Advanced

fixed processing fee

+

payment method fee

PAID ADD-ON
Sana Commerce Cloud: Pro, Advanced

fixed processing fee

+

payment method fee

Payment method Shopper country Sana Pay processing fee + Payment method fee

ACH Direct Debit

United States

+

$ 0.25 + 0.3%

Alipay

Finland, France, Hong Kong, Sweden, Poland, Malaysia, New Zealand, Australia Canada, United States, Portugal, Ireland, Austria, Norway, The Baltics, Italy, Spain, Switzerland, Hungary, Czech Republic, Belgium, Netherlands, Iceland, Slovakia, Germany, Thailand, Denmark, United Kingdom, Japan, China, Singapore

 

 

+

 

3.35%

American Express (AMEX)

Finland, France, Hong Kong, Sweden, Poland, Mexico, New Zealand, Australia Canada, United States, Brazil, Portugal, Ireland, Austria, Norway, The Baltics, Italy, Spain, United Arab Emirates, Switzerland, Hungary, Czech Republic, Belgium, Netherlands, Iceland, Slovakia, Germany, Denmark, United Kingdom, Japan, Singapore

 

 

+

 

North America: 3.6% + $0.10

Global: 4.25%

Apple Pay

Global

+

Defined by card used

BACS Direct Debit

United Kingdom

+

£ 1.00

Bancontact

Belgium

+

Interchange+ + 0.80%

Boleto

Brazil

+

Based on transaction volume

Cartes Bancaires

France

+

Interchange+ + 0.80%

Dankort

Denmark

+

Direct contract with Dankort

Diners

Global

+

4.25%

Discover

Finland, France, Hong Kong, Sweden, Poland, Australia, Canada, United States Brazil, Portugal, Ireland, Austria, Norway, The Baltics, Italy, Spain, Switzerland, Hungary, Czech Republic, Belgium, Netherlands, Iceland, Slovakia, Germany, Denmark, United Kingdom, Japan, Singapore

 

 

+

 

4.25%

Elo

Brazil

+

1.00%

EPS

Austria

+

1.65% + € 0.35

Google Pay

Finland, France, Hong Kong, Sweden, Poland, Vietnam, Malaysia, New Zealand Australia, Canada, United States, Brazil, Portugal, Ireland, Austria, Norway, The Baltics, Italy, Spain, United Arab Emirates, Switzerland, Turkey, Hungary, Czech Republic, Belgium, Netherlands, Iceland, Slovakia, Germany, Thailand, Denmark, United Kingdom, Japan, Singapore

 

 

+

 

Defined by card used

Hipercard

Brazil

+

1.00%

iDEAL

Netherlands

+

€ 0.30

JCB

Global

+

4.05%

Klarna Pay Later

United States, Canada

Australia

Austria, Germany

United Kingdom

Spain, Italy, France, Portugal

Finland, Norway, Sweden

Netherlands

Ireland

United Kingdom

Denmark, Finland, Norway, Sweden

Poland

Austria, Belgium, Switzerland, Germany, Netherlands

Sweden

Switzerland

Austria, Germany, Netherlands

 

 

 

 

 

 

 

 

 

 

 

 

+

4.59% + $ 0.30

4.59% + $ 0.30

3.29%

5.29% + £ 0.20

4.29% + € 0.20

1.29% + € 0.59

3.29% + € 0.49

5.29% + € 0.20

3.20% + £ 0.20

3.09% + € 0.59

2.9% + 1.40 PLN

€0.10 + 3.29% + between € 0.35 and € 1.00

1.65% + SEK 2.00

1.65% + CHF 0.20

1.65% + € 0.20

Klarna Pay Now

Klarna Pay Over Time

Maestro

Global

+

1.00%

Mastercard

Global

+

Interchange+ + 0.80%

MobilePay

Finland, Denmark

+

Denmark: DKK 1.50

Finland: EUR 0.50

Multibanko

Portugal

+

2.40% + € 0.24

Online banking Finland

Finland

+

€ 1.00

Online banking Malaysia

Malaysia

+

$ 1.00

OXXO

Mexico

+

4.35%

Pay by Bank (US)

United States

+

$ 0.40 + 0.80%

PayPal

Global

+

Direct contract with PayPal

SEPA Direct Debit

Finland, France, Portugal, Ireland, Austria, The Baltics, Italy, Spain Belgium, Netherlands, Slovakia, Germany

+

€ 0.75

Swish

Sweden

+

Direct contract with Swish

Trustly

Finland, Sweden, Norway, The Baltics, Spain, Slovakia, Denmark, United Kingdom

+

€ 1.00

TWINT

Switzerland

+

2.65%

UnionPay

Global

+

3.35%

Vipps

Norway

+

NOK 1.90 per transaction

Visa

Global

+

Interchange+ + 0.80%

WeChat Pay

Finland, France, Hong Kong, Sweden, Poland, India, New Zealand, Australia Canada, United States, Portugal, Ireland, Austria, Norway, The Baltics, Italy, Spain, Switzerland, Belgium, Netherlands, Iceland, Slovakia, Germany, Denmark, United Kingdom, Japan, China, Singapore

 

 

+

 

3.35%

7-Eleven Malaysia

Malaysia

+

4.35%

If you are interested in any other payment methods that are not listed above, please contact your Sana Commerce project manager or customer success manager to check if the necessary payment method can be supported by Sana Pay on demand.

Accelerated Payout

Sana Pay settles payouts based on the merchant’s location and Merchant Category Code, typically two business days (T+2) or longer.

Accelerated Payouts (T+1) allow eligible merchants in North America and Europe to receive funds the next business day, for a fee:

  • 0.10% per transaction for EUR, USD, GBP, CAD, CHF, NOK, and AUD

  • 0.15% per transaction for all other settlement currencies

Please note that Accelerated Payouts (T+1) are subject to due diligence and approval. Requests may be declined if risk criteria are not met. To request activation, contact your Sana Commerce representative or submit a request via Sana Support.

To minimize risk exposure, we advise using longer payout periods (T+5) if:

  • More than 30% of your volume is processed via ACH or SEPA direct debit, due to long return windows.

  • Your average transaction value exceeds €1,000, due to higher exposure per transaction.

Related Articles

Supported Payment Methods
Request Payment Methods
Configure Payment Methods for Sana Pay
Interchange Fees