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Pricing as transparent as our platform

Start free. Upgrade when it saves you money. Every fee visible before you commit including FX.

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5-minute setup • No hidden fees • Upgrade or downgrade anytime

  • Licensed & Regulated
  • PCI DSS Level 1
  • Funds Safeguarded
  • 99.99% Uptime

Built on five principles

True Cost Visibility

Real breakdown before you confirm interchange, processing, FX margin, corridor fees.

Intelligence Included

Fraud prevention and analytics built in across tiers not hidden add-ons.

Volume Rewards

Rates automatically decrease as you scale no negotiation required.

No Surprise Charges

No setup fees, no monthly minimums, no hidden platform fees.

Enterprise Honesty

Enterprise pricing is bespoke, but never opaque explicit frameworks first.

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Personal

Free Forever

Perfect for individuals, freelancers, and explorers

WHAT'S INCLUDED:
  • Global wallet — 150+ currencies
  • International transfers to 80+ countries
  • P2P payments — instant ZoikoPay transfers
  • Smart spend insights — AI categorization
  • Enterprise-grade security — AES-256, MFA
  • Basic loyalty rewards
Limits:
Transfers up to $10,000/month
MOST POPULAR

Business

$49 /month

Built for businesses ready to accept payments and scale globally

EVERYTHING IN PERSONAL, PLUS:
  • Global payment acceptance — cards, transfers, local methods
  • Invoicing & payment links — multi- currency
  • AI cash flow insights — 30/60/90-day forecasting
  • Accounting sync — QuickBooks, Xero, Sage
  • Fraud protection — up to $100K coverage
  • Business support — 24-hour response
Transaction fees: 2.9% + $0.30
Volume discounts at $50K, $250K, $500K monthly

Scale

Custom Volume-based

High-growth infrastructure with API flexibility

EVERYTHING IN BUSINESS, PLUS:
  • Volume-optimized rates
  • Full API access + webhooks
  • Multi-entity management
  • Advanced analytics dashboards
  • Enhanced fraud controls — $500K coverage
  • Dedicated account manager
Recommended for: $500K+/month, 10+ currencies, API required

Enterprise

Custom Bespoke

Mission-critical payments infrastructure

EVERYTHING IN SCALE, PLUS:
  • Dedicated infrastructure
  • Custom compliance solutions
  • White-label capabilities
  • 99.99% SLA with priority support
  • Unlimited fraud coverage
  • Quarterly business reviews
Recommended for: $10M+/month, multi- jurisdiction, complex integration

Compare all plans

FEATURE PERSONAL BUSINESS SCALE ENTERPRISE
Monthly fee Free $49 Custom Custom
Global wallet ✓ ✓ ✓ ✓
Payment acceptance — ✓ ✓ ✓
API access — — ✓ ✓
Dedicated support — 24hr email 4hr + manager Priority + SLA
Fraud coverage Basic $100K $500K Unlimited

Frequently Asked Questions

Are there any hidden fees?

No. All fees are disclosed upfront including interchange, processing, and FX. No setup fees, no monthly minimums for Personal tier.

Can I change plans anytime?

Yes. Upgrade or downgrade anytime with no penalties. Changes take effect immediately.

Do you offer volume discounts?

Yes. Business tier has automatic rate reductions at $50K, $250K, and $500K monthly volume. Scale and Enterprise receive custom pricing.

Is there a free trial?

Personal is free forever. Business includes a 30-day free trial with full features. No credit card required.

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