Pricing
Pricing built around your growth: we earn when you earn.
ValPay runs on a revenue-share model. No monthly minimums, no hidden markups: transparent interchange-plus economics designed for software platforms.
Your Payments Health Score
63
/ 100
At risk · 55–69
Est. revenue at risk
$120k – $310k / yr
Approval rate
55
Revenue recovery
60
Cost efficiency
72
What's your score? →
%
Revenue share on every transaction
When your merchants process more, you earn more. Payments becomes a profit center, not a cost.
$0
No hidden fees
What you see is what you pay. No hidden platform fees, no surprise setup costs, no confusing line items: just one transparent markup over interchange.
IC+
Transparent interchange-plus
Pass-through network cost with a single published markup. No hidden basis points, no surprise fees.
Payments Health Score
Not sure what your current setup is costing you? Find out in 60 seconds.
Before you compare pricing, get your baseline. Answer 6 questions and get a 0–100 score showing exactly where your payments setup is leaking revenue. Free, no commitment.
Six components, weighted by revenue impact
1
Approval rate: what percentage of payment attempts succeed
25 pts
2
Revenue recovery: whether failed payments are retried and saved
20 pts
3
Cost efficiency: how optimized your routing and fees are
18 pts
4
Integration depth: how embedded payments are in your product
15 pts
5
Portfolio visibility: merchant-level insight into performance
12 pts
6
Ownership & control: whether you own your payments economics
10 pts
Your answers are scored against each component's weight and calibrated to an industry benchmark. The full methodology is shown with your result.
The average ISV scores 68/100, and fewer than 30% know their approval rate. Your score includes an estimated annual revenue at risk.
Example result (illustrative ISV)
Acme Software Inc.
63
/ 100
At risk · 55–69
Est. annual revenue at risk
$120,000 – $310,000
Approval rate
55
Revenue recovery
60
Cost efficiency
72
Integration depth
68
Portfolio visibility
45
Ownership & control
78
"Your approval rate is 5 pts below industry average. Want to fix that?"
Revenue leakage zone · below 55
Your setup is losing money at scale: urgent, and fixable
At risk · 55–69
Identifiable leakage points
Strong · 70–84
Addressable gaps remain
Elite · 85–100
Payments is an advantage
Free · No commitment required · Takes 60 seconds
Questions
Pricing, answered
How does the revenue share work?
Most payment providers keep the economics. ValPay shares processing revenue with your platform: every transaction your merchants process generates recurring revenue for you. The exact split depends on portfolio volume and vertical, and we’ll model it for your book on a call.
What does interchange-plus pricing mean?
You pay the card networks' actual cost (interchange), plus one published markup. Nothing bundled, nothing tiered, no hidden basis points anywhere on your statement.
Are there monthly minimums or setup fees?
No. No monthly minimums, no platform fees, no volume commitments. Pricing scales with your portfolio from day one.
What is the Payments Health Score?
A free, 60-second assessment that benchmarks your payments setup across six weighted components and estimates how much revenue you may be losing each year. No commitment required. You see your score instantly.
We already have a payments provider. Is this still relevant?
Yes. Most platforms that take the assessment already process payments. The score tells you whether your current relationship is performing, and what fixing the gaps would actually be worth.
