Pricing

Per-transfer fee plus transparent FX spread.

Pricing is built around your corridor mix, currency pairs, and risk profile. Typical clients move €100,000 to €500,000 per month across CAD, EUR, USD, GBP, and BRL — but smaller and larger volumes are workable when the use case fits.

How pricing works

Simple, predictable, with no buried FX markup.

1. Tell us about your flows

Throughput, currency mix, corridor distribution, average ticket size, vertical, and risk profile. Five fields on the form, or a 20-minute call.

2. We model a quote

Our pricing team builds a quote from your real numbers — per-transfer fees, FX spread by pair, processing-support fees if applicable, no surprise line items.

3. You compare apples to apples

We give you a side-by-side against what you currently pay. If we're not better on cost or risk acceptance, we'll tell you straight.

What you pay for

The line items in a NovoBill contract

Transfer fees

A per-transfer fee covering execution, screening, and statement issuance. Pricing scales with monthly volume; predictable take rates as throughput grows.

FX spread

Mid-market rate plus a transparent spread, typically modest depending on currency pair and volume. The all-in rate you see at instruction is what executes — no separate markup hidden elsewhere.

Payment-processing support

For collections via partner EMI/PSP and master-account redistribution: a per-transaction fee on the redistribution leg, plus the partner EMI/PSP's own fees on the acceptance leg (which we'll surface upfront).

Virtual currency on/off-ramp

Per-transaction fee on the fiat leg plus the registered crypto partner's spread/fee on the crypto leg. All quoted before instruction.

Risk-tier adjustments

For mid- and high-risk verticals, pricing reflects the additional compliance handling, ongoing monitoring, and partner underwriting. Stated upfront, not added later.

What's included free

Multi-currency wallet, sub-accounts, payout templates, statements and exports, dashboard access, named compliance and operations contact, integration support during onboarding.

Get a quote

Tell us about your business — quote in 1 business day.

5 fields. Goes straight to our pricing and compliance team. No drip sequence if it's not a fit.

Typical NovoBill client moves €100k–€500k per month. Smaller and larger volumes are workable.
FAQ

Pricing questions we get a lot

What's the minimum volume to work with NovoBill?

Most clients move €100,000 to €500,000 per month across CAD, EUR, USD, GBP, and BRL. Smaller volumes are workable when the use case fits — particularly direct merchants with cross-border suppliers, where €50k+ monthly outflows is the practical floor. We'll be honest if it's not a good match for either side.

How is FX priced?

Mid-market rate plus a transparent spread. The spread sits at competitive levels typical of regulated EMIs, with the rate confirmed at instruction and executed against that confirmed rate. Volume tiers reduce the spread as throughput grows.

Are there setup fees or minimum monthly fees?

For most accounts, no. For complex platform implementations or bespoke integrations, there may be one-time integration fees, disclosed upfront. Custom-priced enterprise contracts may carry a monthly minimum reflecting dedicated resources.

How does pricing differ for higher-risk verticals?

Pricing for mid- and high-risk verticals reflects the additional compliance handling, ongoing monitoring, and partner underwriting required. Adjustments are stated upfront. Even with the adjustment, NovoBill is positioned to be meaningfully cheaper than niche high-risk specialists like CCBill, NETBilling, or Segpay.

Will you ask for a rolling reserve?

Reserves are case-by-case. For lower-risk verticals at typical volumes, no reserve is required. For higher-risk profiles or chargeback-heavy verticals, a reserve may apply, sized appropriately rather than the blanket 10% common at niche providers. Always disclosed before contracting.

How long are contract terms?

Default is month-to-month. Annual or multi-year terms available with discounted rates. We don't lock anyone in for years against their will.

Want a real conversation about pricing?

20-minute call with our pricing and compliance team. We'll model your real volume and corridor mix, including any risk-tier adjustments, and tell you exactly what you'd pay.