Payment
Gateway
Pricing
Payment Gateway Pricing
NiftyPay delivers a flexible, no-lock-in payment gateway that works with your existing merchant account or bundles seamlessly with ours. Choose the structure that scales with your business: Flat Rate for predictable low-volume costs, or Interchange + for optimized savings as you grow. Gateway fees are billed separately for transparency. All options include PCI compliance, advanced fraud tools, virtual terminal, free integrations (200+ CCMA processors), and zero hidden fees—no setup, no contracts, no early termination fees (ETFs), and no minimum processing.
NiftyStart +
NiftyPay + CCMA
Both: Payment Gateway & CCMA
$24.99 /per month
Includes first 200 transactions, overage is +$0.10 /transaction
Benefits:
- Perfect entry for startups, seasonal, or low-volume (<$5-10K/mo)
- 200 trans included – no surprises on small volumes
- Easy upgrade to NiftyPro
- Full suite: PCI compliance, fraud tools, virtual terminal, 200+ integrations
- No setup fees, no ETFs, no contracts – month-to-month freedom
Requires new CCMA
( Credit Card Merchant Account )
See CCMA table below for pricing
NiftyFlex
( Bring Your Own CCMA )
Payment Gateway Only
$29.99 /per month
Includes first 200 transactions
After 200 transactions, overage is +$0.10 /transaction
Benefits:
- Bring your existing CCMA – no need to switch
- 200 trans included – no surprises on small volumes
- Easy path to upgrade to NiftyPro/NiftyFlow as business expands
- Full suite: PCI compliance, fraud tools, virtual terminal, 200+ integrations
- No setup fees, no ETFs, no contracts – month-to-month freedom
NiftyPro +
NiftyPay + CCMA
Both: Payment Gateway & CCMA
$14.99 /per month
+ $0.09 per transaction
Benefits:
- Low base + per-trans – costs align with your growth
Ideal for mid-volume SMBs hitting consistent sales
- Full suite: PCI compliance, fraud tools, virtual terminal, 200+ integrations
Bundled savings + one-stop CCMA/gateway management
- No setup fees, no ETFs, no contracts – month-to-month freedom
Requires new CCMA
( Credit Card Merchant Account )
See CCMA table below for pricing
NiftyFlow
( Bring Your Own CCMA )
Payment Gateway Only
$19.99 /per month
+ $0.12 per transaction
Benefits:
- Bring your existing CCMA – no need to switch
- Scalable per-trans model – lower effective costs at higher volumes
- Deep integration with 200+ processors – keep your current CCMA setup
- Full suite: PCI compliance, fraud tools, virtual terminal, 200+ integrations
- No setup fees, no ETFs, no contracts – month-to-month freedom
Merchant Account (CCMA) Pricing
Credit card merchant accounts, or a CCMA for short, is required for credit card payment processing. We offer 2 popular CCMA rate structures: flat-rate which is excellent for very small and seasonal merchants, and interchange-plus which gives more established and growing businesses better rates and lower effective costs per transaction on their payment processing.
Gateway-Only or Bundled Options
Already have a merchant account? Use our gateway standalone. New to processing? Bundle our CCMA with the gateway for lower combined fees and seamless setup. See gateway-specific plans below or contact us for custom quotes—we'll meet or beat competitors.
Choose Your Path to Scale
Start simple with Flat Rate if you're small, seasonal, or testing the waters. Move to Interchange + (or bundle gateway-only) as volume grows for lower effective costs. Bring your own CCMA anytime—we support 200+ networks. Contact us for custom packages or to meet/beat competitor quotes.
Processor Platforms Supported
Already have a CCMA account? Bring it with you! We likely support our current processor platform/network with 200+ integrations
Get Started Today
Use the form below to start the account setup process. We will contact you later for any additional information needed to setup your account. CCMAs (credit card merchant account) require additional banking forms which we will handle and help walk you through.