quote-only handling
Quote-Only Payment Gateways: No Published Rate
Vendors that will not give you a rate without a sales call. The list, the rationale, and what to bring to the conversation.
7
Quote-only vendors
0
Inferred rates on this site
27
RFP questions to send
$50M+
Where Adyen/Worldpay shine
Headline answer
Adyen, Worldpay, Checkout.com enterprise, NMI, BlueSnap, Fiserv/Clover, and Afterpay all refuse to publish a public US merchant rate card. Our zero-inferred-rates rule means their pricing pages here carry a QUOTE ONLY badge and a link to the vendor's contact page; we do not invent a starting-at rate. Use the 27-question RFP template to compare quotes apples to apples.
The list
Adyen
Adyen publishes indicative components ($0.13 processing + interchange + scheme + 0.60% on Visa) but explicitly states the final markup is by quote. Enterprise interchange-plus structure.
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Worldpay
Worldpay (FIS) does not publish US rates publicly. All pricing components (flat-rate, interchange-plus markup, per-transaction fixed fee, monthly minimums) are negotiated per merchant and disclosed only inside the signed merchant agreement. Treat any third-party rate claim as anecdotal until your own quote arrives.
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Checkout.com
Checkout.com publishes pricing structure options (flat-rate, interchange++, free for charities) but no specific rates. Tailored quote required.
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NMI
Sold via ISOs, software partners, banks, and payment facilitators. No public direct-to-merchant pricing. Final cost depends on the reseller.
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BlueSnap
Pricing distributed via region-specific PDF agreements. No headline rate on the public page.
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Fiserv / Clover
Clover hardware is made by Fiserv but processing rates depend entirely on the reseller. Bank, ISO, and direct Clover channels all quote different rates for the same hardware. Merchant-reported bands, varies by reseller: roughly 2.3% to 2.6% + 10c in-person and 3.5% + 10c keyed. Treat anecdotal until your own quote arrives.
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Afterpay
Afterpay does not publish a public US merchant rate card. Merchant-reported bands sit in the 4%-6% range plus per-transaction fee. Clearpay (EU/UK) reported at 4%-6%.
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Why vendors go quote-only
- Pricing model is interchange-plus per merchant, so a single headline rate would not be comparable.
- Sales model is direct-to-enterprise. Listing rates would commoditise the sales motion.
- Reseller-distributed (NMI, Fiserv/Clover). Final price depends on whoever sold you the platform.
- Risk-based pricing on BNPL (Afterpay): rate depends on AOV, vertical, and credit-loss profile.
What to bring to a quote conversation
- Last 12 months of GMV, transaction count, average ticket.
- Channel mix (online vs in-person vs invoice).
- Geographic mix (domestic vs international by region).
- Card mix (consumer vs commercial, debit vs credit).
- Refund rate and dispute rate from the last 12 months.
- Three competitor quotes to anchor the conversation.
- Be ready to commit to a 12-24 month contract for the best rate.
Negotiation levers
- Volume commitment: monthly or annual minimum reduces the markup.
- Multi-year contract: 24-36 month commitments shave 10-30bps off.
- Specific waivers: monthly minimums, PCI fees, statement fees, batch fees.
- FX margin reduction on multi-currency volume.
- Dispute fee cap at contract level.
- Push to migrate from scheme-fee 'inclusive' to 'pass-through' so you see the underlying components.
Related
verified Last verified June 2026