This Paynode Fee Schedule sets forth the amounts Sub-Merchant pays to Paynode for each Payment Transaction processed through the Payment Platform, effective as of XX, 2022 (“Effective Date”).
American Express Discount Rate for US Sub-Merchants
Card Type / Transaction Amount | Transaction amount up to $19,999.99 | Transaction amount from $20,000.00 and above** |
Consumer Card | 3.49% | 2.99% |
Corporate Card & Small Business Card | 3.79% | 3.29% |
**Subject to cap on credit card transaction amounts
An additional .60% is added to the Discount Rate for American Express cards issued outside of the United States.
In the event of a refund, the American Express fee will be reversed except for .2%.
American Express card acceptance is only available to US registered Paynode members.
Visa and Mastercard Discount Rates
Payment Type | Discount Rate |
Visa Card | Interchange & Processor Fee + .70% |
Mastercard Card | Interchange & Processor Fee + .70% |
In the event of a refund, some of the above fees will be partially reversed. The Sub-Merchant will be responsible for paying all remaining fees.
Domestic Payments
Receiving Payments | Fee |
Receive Instant Payment | No fee |
Inbound local wire (ACH/FedWire) | No fee |
Sending Payments | Fee |
Send Instant Payment (Weekdays) | 20 USD |
Local wire transfer to 3rd party (ACH/FedWire) | 15 USD |
SWIFT | 35 USD |
Payment to self* | No fee |
Domestic Payments are defined as payments where the beneficiary account is located within the United States. International Payments are defined as payments where the beneficiary account is located outside of the United States.
International Payments
Receiving payments | Fee |
Receive Instant Payment | No fee |
Receive loval wire (in USD) | No fee |
Inbound SWIFT | No fee |
Sending Payments | Fee |
Send Instant Payment | 35 USD* |
Local wire transfer to 3rd party (SEPA/UKFP) | 35 USD |
SWIFT | 35 USD |
Other | Fee |
FX conversions | Fee included in rate |
FC conversion cancellation | 10 USD + conversion loss amount (if applicable) |
Intra Company transfers | X |
Instant Payment weekend surcharge | 50+ USD |
* Instant payments processed on weekends will incur a $50 surcharge
* Payment to self: No fee when sent via "Regular" transfer. SWIFT fees will apply if sent via "Priority".
Regular will send payments via local payment methods such as ACH or FedWire.
Priority will send payments via SWIFT.
Capitalized terms not otherwise defined herein have the same meaning as defined in the Paynode General Terms and Conditions.