Acquiring fees with no hidden terms
Virtual POS rate for the sale of tangible products
Payments in euros: simplify your revenue management and avoid currency fluctuations.
Accept Visa, MasterCard, and Maestro so you can attract more customers and prevent missed sales caused by limited payment options.
Payouts every 24 hours: enhance your liquidity and manage your cash flow without unnecessary delays.
Process international payments: sell without borders and accept customers from all over the world.
100% secure payments (SSL): advanced data protection and PCI DSS compliance to guarantee your customers’ security and confidence.
No maintenance fees: you pay only per transaction, with no hidden charges or fixed costs.
Available for freelancers and companies in Spain: a solution designed for both individuals and businesses.
Processing fees with 3D Secure protocol for intangible services
A payment solution designed specifically for businesses offering intangible services or those classified as higher risk, featuring the 3D Secure protocol. While the fees are higher due to the lack of enhanced authentication, this option enables you to accept payments from international clients, both within and outside the EU.
All-in-one payment gateway: the comprehensive solution for your e-commerce
Find out why PayOk is the most complete and secure payment platform on the market, designed to boost your online sales and simplify the management of international payments.
Fast and efficient purchasing processes
1-Click payments in E-commerce
PCI DSS compliance
Transparent billing
Anonymous and customizable payment templates
Integrated CMS modules
Expand your business internationally
Charge card payments in any currency
Multilingual client support
Start accepting all foreign cards
International sales map
Smart country blocking
Advanced security: protect every transaction
Strict SSL data transmission
The license BE6928 issued by the Central Bank of Spain
Double factor authentication (2FA)
Proactive anti-fraud rules
3D Secure protocol
Detailed and real-time financial reports
Check your sales instantly
Download reports with one click
Total transparency
Premium customer support
Immediate assistance via live chat
Remote technical support and premium guidance
Multichannel communication
Secured funds and quick liquidity
Asset safeguarding policy
Fast settlement
Do you have questions about PayOk fee policy?
Visit our frequently asked questions section on rates and fees to get clear and transparent answers. Here you will find detailed and updated information about processing costs, the conditions applicable to each type of transaction, and tips to help you optimize your payments, both for online businesses and international sales.
At PayOk, we are committed to complete transparency:
- We explain each fee in a straightforward way, with no fine print or hidden charges.
- We regularly update our content to reflect current regulations and industry best practices, ensuring you always have the information needed to make a right decision.
- We offer resources and links to official institutions, including the Bank of Spain, to give you full confidence and guarantee regulatory compliance.
Can’t find the answer you need? Contact us directly: our specialized customer support team is available via chat, WhatsApp, LiveChat, email, or phone to offer you personalized assistance and help with any questions about our rates and virtual POS services.
Please, don't hesitate to reach out if you have any questions. Contact Us
What commission is usually applied to a transaction?
Depending on the nature of your business and the risk it poses to a financial institution, a lower or higher transaction fee will be applied. Currently, PayOk offers three types of terminals for online businesses: Low risk terminal, medium risk, and high risk.
Are there any fees for a Canceled or Pending transaction?
In payment processing industry, policies and fee structures can vary depending on the payment service provider or bank. PayOk's policy on fees for canceled or pending transactions is the following:
- Pending Transactions: Usually, we do not charge a fee for transactions that have a "pending" status since the transaction has not been completed. However, if the pending transaction is ultimately processed and completed, then the corresponding fee would be applied.
- Canceled Transactions: If a transaction is canceled before being processed, no fee is incurred. However, if the transaction has already been processed and a cancellation or refund is later requested, fees may apply. These fees are sometimes referred to as "return fees" or "chargeback fees" in the case of chargebacks.
Are there any maintenance costs or fixed monthly fees?
No. With PayOk, you only pay per transaction. There are no setup fees, maintenance costs, or inactivity charges. Our pricing policy is 100% transparent — no surprises.
What payment methods does the PayOk platform accept?
PayOk accepts Visa, MasterCard, and Maestro cards issued both in the European Union and internationally. You can also receive payments in euros and other currencies, making international sales and the growth of your online business easier.
How can I optimize processing costs for my online store?
We recommend encouraging payments with EU-issued cards (they carry a lower fee), using 3D Secure to reduce risks and chargebacks, and contacting our team if your monthly volume is high — we offer volume discounts. This way, you save on every transaction and improve your profitability.
When are payments credited to my account?
Payments processed through PayOk are settled to your account every 24 hours*, giving you faster cash flow management and greater control over your revenue. *Depending on the merchant's risk category.
