Three models. ROI in under 18 months. Or contractual refund.
We don't hide the price until the third call. We publish ranges, explain every component and sign commercial guarantees with real refunds. We build deals where your savings outsize our revenue from year one.
Four unbreakable principles.
Alignment over extraction
We grow with you, not on top of you. The transactional fee scales bidirectionally: if you grow less one year, we won't force retroactive true-ups. Fixed license anchors CapEx; variable ensures economic fairness.
Transparency over opacity
No fees disguised as “automatic premium features”, no hidden auto-upgrades. Standard enterprise pricing hides everything until the 5th meeting; we publish the reality.
Modularity over bundles
Pay for what you use. Core ships the essentials; add-ons are explicit. We won't sell you a $2M tier for you to use only 40% of the mandatory functionality.
Guarantees over promises
Every segment has commercial guarantees signed in the MSA, triggering automatic refunds if our software doesn't cut costs or meet deadlines. An SLA without financial penalty is hot air. Ours bleed.
The 3 structural models
Each segment with its own fee structure, typical ticket size and commercial guarantee signed in the MSA.
Model A
- Setup fee $80K – $200K
- Annual license $100K – $300K
- Transactional fee 4 – 8 bps
- Rev share (optional) 10 – 20 bps
Model B
- Setup fee $50K – $250K
- License (per key/month) $8 – $15
- Transactional fee 6 – 10 bps
- Rev share N/A
Model C
- Setup fee $200K – $500K
- Annual license $400K – $1.5M
- Transactional fee 3 – 6 bps
- Mandatory deploy Sovereign
Core vs premium add-ons
Always included (core)
Orchestration layer (smart routing BIN/issuer, low-code rules, 3DS2 orchestrator).
PCI security layer (SP Level 1 vault, VTS/MDES network tokenization, anti-Magecart).
Integration layer (GraphQL/REST APIs, signed webhooks, native mobile/web SDKs).
Dashboarding layer (white-label merchant portal, exportable reporting, observability).
Tech support layer (business hours, status page, core patches and updates).
Premium opt-in
Add-ons cancellable at annual renewal. Pay only for niche operational needs.
Total Cost of Ownership comparison (5 years)
Simulation based on USD $200M TPV at year 3. Figures exportable from the official calculator with publicly audited methodologies.
| Alternative | Base CapEx | OpEx (Year 3) | 5-yr TCO | Risk / Time-to-Prod |
|---|---|---|---|---|
| Build in-house | USD 8M – 15M | USD 5M – 10M | USD 25M – 45M | 24–40 months. 73% rate of abandonment or spec overrun. |
| Typical foreign SaaS | USD 50K – 150K | USD 1.5M – 3M | USD 8M – 15M | 2–4 months. Lock-in, foreign data residency and broken white-label. |
| Local fintech partnership | Very low | Rev-share 20 – 40% | Pure erosion | 1–3 months. Turns the bank into a channel. The startup extracts your merchants. |
| Hotelpay (Model A) | USD 80K – 200K | USD 500K – 1.5M | USD 3M – 8M | 4–7 months. Zero structural risk under refund clause. |
| Hotelpay (Model C) | USD 200K – 500K | USD 1M – 3M | USD 6M – 15M | 7–12 months. Source code in escrow, regulatory shield assured. |
Key terms and terminations
Renewal & pricing gap
Auto-renewal capped at national inflation or 5% annualized (whichever is lower). No Evergreen Trap surprises. Moving up a tier natively improves unit economics.
Post-breach termination
If Hotelpay files for bankruptcy or incurs a material breach (uncured after 60 days), the MSA is voided with no Early Termination Fee. A 12-month technical transition at frozen rates kicks in.
Direct data portability
On exit, we export to your S3 or cold bucket all tokens, settings and logs in JSON or Parquet. Data ownership is explicitly the bank's or merchant's.
Find the right bracket fast
The worst call is the one that costs you three weeks waiting on a quote that was out of range to begin with. We mutually qualify the sizing in 20 minutes. If we're a match, we iterate and formalize.
- Direct comparison vs IXOPAY / Spreedly
- Realistic deployment roadmap by market
- Direct line to the Solutions engineer for phase 1