Pricing

Get the full infrastructure.
Pay just for transactions

Whether you’re a platform or an employer, you pay to move money, not for the functionality behind it. Choose a blended, cost-plus, or monthly pricing structure to optimise expenses and simplify budgeting.

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Everything you pay is clear from the start

Price breakdown

Per-transaction fee for push payments (OCT)

Per-transaction fee for pull payments (AFT)

FX fee

The currency you pay in is the same currency in which we settle with you.

One FX rate across all payment schemes

The commercial FX rate already includes our fee. We recalculate it daily and make it available via API or through your account manager.

Every transaction is fully transparent

After each transaction, your account provides a clear breakdown of the amount charged to you, the amount received by the recipient, and our fee.

Ways to structure and track your transaction fees

Simple

Blended fee

One predictable rate that keeps pricing simple, regardless of destination or payment scheme.

As low as 1% + £0.05 per payout

Most transparent

Cost-plus fee

Most transparent pricing model based on the payment scheme and payout destination, potentially.

Scheme fee + Remitiva margin

Predictable

Monthly fee

A fixed recurring charge covering different transaction types and FX, making monthly costs easier to forecast.

Fixed monthly charge for an agreed volume

The final rate and our margin depend on your risk profile, traffic, and KYC/AML obligations relating to end customers, and we determine it individually.

We offer flexible minimum volumes and fast contracting process

You can get started without large upfront commitments or long approval cycles. Up and running in four steps

Share your expectations

Review within 2-3 working hours

Discovery call

30-60 min

Commercial setup

1-3 days

Onboarding and launch

7-14 days

Get a tailored quote Quick meeting

A clear view of your money flow

How are my funds protected?

Remitiva is a trading name of FM Finance Ltd and is directly accountable to regulators and payment schemes, giving you bank-grade reliability.

A licensed acquirer, a Principal Member of Visa, Mastercard, and UnionPay.

A regulated payment institution in the UK.

Where can I send payouts from?

You can manage and initiate payouts from almost anywhere. However, Remitiva currently provides its services only to businesses registered in the UK.

United Kingdom

How does the payout account work, from funding to reconciliation?

We allocate your balance in a safeguarding account at a qualified credit institution, held in our name.

You can prefund the account by bank transfer to a dedicated IBAN. Where supported, user-initiated AFTs can also fund payouts.

We settle fees, including card scheme fees, promptly ensuring the funds in the safeguarding account are only client funds.

We perform detailed human-readable daily reconciliations.

AFT

Pull funds from sender’s card

OCT

Push funds to recipient’s card

AFT

Pull funds from sender’s card

Sender

initiates payment with own card

FMPay Payment Gateway

sends AFT to debit sender’s card

Processing Center

sends AFT data to card scheme

Card Scheme

routes AFT to Sender’s Issuer

Sender’s Issuing Bank

authorises & debits sender’s card

AFT approved (auth response via scheme)

triggers OCT

OCT

Push funds to recipient’s card

FMPay Payment Gateway

forwards OCT to processing center

Processing Center

sends OCT data to card scheme

Card Scheme

forwards OCT to Recipient’s Issuer

Recipient’s Issuing Bank

settles funds to cardholder

Recipient

gets funds on his card

What payout timeframes do payment schemes offer?

Real-time

or within 30 minutes

Near real time

Real-time

or within 12 hours

What destinations for card payouts are restricted?

Some destinations are closed under sanctions, local regulation, scheme rules, or our own risk controls.

Card schemes maintain a broader list of destinations that are fully or partially restricted. Our team can provide you with the most up-to-date list at any time.