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Cross-border payment fees explained

International payments carry more cost components than a domestic card swipe. Here's a clear breakdown of each one and who charges it.

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The components of a cross-border fee

A single international card payment can carry: a platform fee (PayKato), a processor fee (set by the licensed processor), an FX margin (where the payment currency differs from the settlement currency), a payout fee (set by the banking partner that funds your local account), and country- or method-specific surcharges.

  • Platform fee — PayKato, from 1.5%
  • Processor fee — set by the licensed processor
  • FX margin — set by the partner handling conversion
  • Payout fee — set by the banking partner
  • Refund and chargeback fees — set by the processor
  • Reserves — partner-defined, percentage held for a period

How to read your transaction view

PayKato shows each fee separately per transaction so you can see exactly where the money went and what to expect at payout. The Pricing page has a sample $100 transaction breakdown.

Ways to reduce total cost

Bill in the currency you intend to settle in, where possible, to reduce FX exposure. Batch lower-value invoices where the customer is willing. Watch chargeback and refund rates closely — they are the most expensive cost line a merchant can grow.

Frequently asked

How much does PayKato cost?
PayKato's platform fee starts from 1.5% per successful transaction, with no monthly or setup fees. Processor, FX, payout, bank, and country-specific fees may apply on top, charged by the relevant partner. See the Pricing page for a sample breakdown.
Why is FX more expensive than a mid-market rate?
Partners apply a margin on top of the mid-market rate to cover currency risk, network costs, and their own margin. The margin is determined by the partner handling the conversion.
Which processors and banks does PayKato use?
PayKato is built to integrate with licensed payment processors and banking partners. Specific processors and availability are confirmed during merchant onboarding based on country, merchant category, and partner approval.

Related

See a real fee breakdown

Open the Pricing page for a sample $100 transaction and the components that apply.

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PayKato is built to integrate with licensed payment processors and banking partners. Specific processors and availability are confirmed during onboarding based on country, merchant category, and partner approval. PayKato is not a bank and does not hold customer funds.