Common Fintech Pricing Models
| Model | How It Works | Best For | Examples |
|---|---|---|---|
| Percentage + Fixed | 2.9% + $0.30 per transaction | Payment processing | Stripe, Square |
| Interchange Plus | Interchange fee + markup | High-volume merchants | Adyen, Checkout.com |
| Tiered Volume | Lower rates at higher volumes | Growing businesses | Most merchant acquirers |
| BaaS Revenue Share | 70/30 split on interchange | Embedded finance, neobanks | Treasury Prime, Synctera |
| Platform Fee | Monthly fee + per-transaction | Payment platforms | Stripe Connect |
Recommended Alguna Setup
Create transaction-based products
Navigate to Products → Add Product
- Create a metered product for “Payment Processing”
- Set pricing as percentage (2.9%) + fixed fee ($0.30)
- Create tiered pricing for volume discounts
Set up usage metering
Navigate to Billable Metrics → Create Metric
- Metric: “Transaction Volume” — Sum of transaction amounts
- Metric: “Transaction Count” — Count of transactions
- This tracks total payment volume for percentage-based billing
Configure monthly settlement
- Bill monthly in arrears (after transactions occur)
- Generate detailed statements showing transaction counts and volumes
- Support net settlement (fees deducted from payouts) or gross billing
Build volume-based tiers
Create pricing tiers that reward growth:
- 50K/month: 2.9% + $0.30
- 250K/month: 2.5% + $0.25
- 0.20
Billing Flow
Transaction Fee Structures
Simple Percentage + Fixed
Best for: Payment facilitators, marketplaces| Component | Amount |
|---|---|
| Percentage fee | 2.9% of transaction |
| Fixed fee | $0.30 per transaction |
| Example: $100 transaction | 0.30 = $3.20 |
Interchange Plus
Best for: High-volume merchants who want transparency| Component | Amount |
|---|---|
| Interchange (to card issuer) | 1.5% - 2.5% (varies by card) |
| Network fee (Visa/Mastercard) | 0.10% - 0.15% |
| Your markup | 0.25% - 0.50% |
| Total | ~2.0% - 3.0% |
Key Features to Configure
Billable Metrics
Track transaction volumes and counts.
Tiered Pricing
Set up volume-based pricing tiers.
Usage Metering
Ingest transaction events in real-time.
Invoicing
Generate detailed monthly statements.
API Reference
Ingest Events
Send transaction events to Alguna.
Invoices API
Generate and retrieve invoices.
Webhooks
Get notified of payment events.
Customers API
Create and manage merchant accounts.
Related Quick Starts
Hybrid Motion
Self-serve for SMB, sales for enterprise merchants.
Finance & Billing Ops
AR, settlements, and revenue recognition.
Developers
API integration for transaction ingestion.
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