What your payments are worth, and how the pricing works.
Synapto is the embedded payments partner for UK software platforms. Put in your own numbers to see what your platform could earn, then get your quote in writing. You set the price your customers pay; the margin above our rate is yours.
What your platform could earn
Six questions about the payments your customers take today, through or beside your platform, that you can answer without looking anything up. The answer is a rounded range from your own figures, not a quote.
Your platform could earn, a year
…
- Payments through your platform, a year…
- Your customers pay in fees today…
Worked out from the numbers you entered. Today's fees use Stripe's published UK card and Direct Debit rates and a typical UK card mix; your payments use the rate your total volume qualifies for, with Direct Debit capped at £4 a collection. Ranges are rounded and are not a quote: your quote uses your real rates and mix.
How the pricing works
The short version. The Commercial model page covers what to charge each kind of customer, and how settlement works for software platforms and for marketplaces.
You set the price
Your customers pay the price you set. Our rate sits underneath it, and the margin between the two is paid to your platform every month.
Your total volume sets the rate
The rate is worked out from the volume across all your customers, not each one alone, so your smallest customer is priced at your platform's rate.
Blended, then interchange++
Smaller volumes pay one simple price per card type. Larger volumes move to interchange++: card scheme costs passed through at cost, plus our margin, which falls as your volume grows.
What's included, and what's quoted
Included
Recurring billing and invoicing at no extra charge, and Direct Debit capped at £4 a collection, whatever its size.
- Recurring billing
- Invoicing
- Direct Debit capped at £4
In your written quote
Every price, for every way your customers pay, set from your volume and your payment mix.
- Card payments, online and in person
- Direct Debit, with pay by bank coming soon
- Tap to Pay
- Payouts, refunds and chargebacks
What moves your quote
Five things decide it, and the review covers each one.
- Your monthly volume
- How your customers pay
- Your average payment
- Your sector
- How much of moving your customers onto payments we run for you
Questions about pricing
Because they depend on your platform: your volume, how your customers pay and your sector. A published rate would be wrong for most platforms reading it. You leave the payments review with a range in writing, every price follows in writing in your proposal, and the calculator above shows the range in the meantime.
No. Most platforms keep their customers' prices where they are, or lower them, and still earn, because the rate your total volume qualifies for is lower than what each customer pays alone today. The slider in the calculator shows the trade-off.
Your customers are settled in full and billed for processing monthly. Your margin, the difference between your price and our rate, is paid to your platform each month with a statement you can reconcile.
Today's fees use Stripe's published UK card and Direct Debit rates and a typical UK card mix. Your quote uses your real rates and your real mix, so the figures in writing can differ from the range.
Yes. Thirty minutes on your platform, your customers and how they pay today, and you leave with a range in writing. Every price follows in writing in your proposal.
Get your quote in writing.
Bring your rough numbers to a thirty-minute payments review. You leave with a range in writing, and every price follows in your proposal, set from your own figures.