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.
Does PayOk comply with European regulations and the PCI DSS security standard?
Yes, PayOk complies with international security standards, including PCI DSS for payment service providers (protecting card data) and strict SSL encryption of all communications. In addition, PayOk operates under a licence issued by the Bank of Spain (BE 6928), guaranteeing maximum reliability and full legal compliance.
How does PayOk make international sales easier?
PayOk lets you accept foreign cards without restrictions, receive payments in different currencies, and manage risk by blocking countries with high fraud levels. You also get detailed international sales reports and multilingual support — in English, Spanish, and Russian.
Are there discounts for large processing volumes?
Yes, we offer special rates and personalized discounts for companies with a high monthly transaction volume, as well as for financial companies. Contact our team to request a proposal tailored to your needs.
Where can I check my rates and the applicable conditions?
Your rates are available in real time in your PayOk dashboard, where you will also find transparent billing, financial reports, and up-to-date conditions. If you have any further questions, our customer support team is available via live chat, WhatsApp, email, or phone.
How is the fee calculated for each transaction in PayOk?
The fee consists of a percentage plus a fixed amount, depending on where the card was issued (EU or outside the EU). For example, for a sale paid with an EU-issued card, the fee is 1.5% + €0.25. You can see the exact breakdown of every transaction in your dashboard — with full transparency.
Can I accept payments in different currencies, and how does that affect my rates?
Yes, you can accept payments in euros and other international currencies. PayOk's rates remain transparent and unchanged; however, the cardholder's issuing bank may apply its own currency conversion fee. PayOk provides end-to-end management of international payments — no surprises.
Do the rates include CMS modules and integration with my online store?
Yes, integration with popular CMS platforms (such as PrestaShop or WooCommerce) is included at no extra cost. You only pay per transaction — installation, support, and maintenance of the modules are free.
What if I run a higher-risk business or sell intangible services?
PayOk offers specific rates for businesses classified as higher risk and for intangible services, in full compliance with regulations and with security measures adjusted to each merchant's profile. In these cases, the fee is 2% + €0.35 per transaction, regardless of where the card was issued.
How does PayOk protect my funds and secure my payments?
PayOk maintains a client asset safeguarding policy and strictly complies with Spanish and European regulations. Your funds are held in segregated accounts and are available to you within 24 hours*, while advanced security systems — SSL encryption, 3D Secure, and two-factor authentication (2FA) — protect every transaction. *Depending on the merchant's risk category.
What information does PayOk provide about payments and applied fees?
You have access to detailed financial reports with a breakdown of every payment and every fee. Reports can be downloaded in real time, making accounting and regulatory compliance easier.
Do rates vary depending on monthly sales volume?
Yes. If your business processes a large volume of transactions, you can benefit from volume discounts and personalized rates. Contact our team to receive a tailored proposal.
Does PayOk help me comply with anti-fraud and KYC requirements?
Absolutely. PayOk incorporates advanced fraud prevention tools, KYC (Know Your Customer) procedures, and proactive transaction monitoring to protect your business and ensure regulatory compliance.
How long does it take to integrate and activate the virtual POS?
Integration is quick and simple thanks to our API and ready-made CMS modules. In most cases, you can start accepting payments in less than 48 hours after your documentation has been verified.
What support does PayOk offer for questions about rates or technical issues?
You have access to multichannel customer support (live chat, WhatsApp, email, phone), remote technical assistance, and personalized guidance. Our team of specialists in electronic payments and compliance is always available to answer any question about rates, security, or integration.
