Pricing model

Plugipay's pricing depends on which mode you're using:

• Managed — pay-per-transaction with no monthly minimums.
• Bring-your-own-provider (BYO) — flat per-transaction fee on top of your provider's costs.
• Partner — for integrators (Storlaunch and other Forjio products), a flat percentage of payments routed through Plugipay.

For the current published rates, see plugipay.com/pricing. The numbers here describe the shape of pricing — what gets charged, when, on what basis — not the specific percentages, which change occasionally.

Managed mode

Managed payments are launching soon — use a BYO provider for now. The pricing shape below describes how managed mode will bill once it's live.

In managed mode, Plugipay handles the upstream payment provider relationship. You pay one bundled rate per transaction that covers both the provider fee and our service fee.

You're billed:

• A percentage of each successful payment
• Plus a fixed amount per successful payment

Failed payments, abandoned sessions, and refunds don't cost you anything.

Fees are taken off the top — you see them on every payment's detail page, and the Reports → Fees view summarizes per period.

BYO mode

In BYO mode, you connect your own Xendit, Midtrans, or PayPal account. Your provider charges you its rate; we charge a small platform fee on top.

You're billed:

• A flat percentage of each successful payment (lower than managed mode — you're providing the provider relationship)
• No fixed-amount component

Refunds aren't charged. Failed attempts aren't charged.

The provider fees themselves are charged by Xendit/Midtrans/PayPal directly — Plugipay doesn't intermediate that money.

Partner mode

Partner mode is for integrators — products that build on top of Plugipay and bill their own customers. Storlaunch (Forjio's e-commerce platform), Fulkruma (inventory), and others use this.

The integrator pays:

• A flat percentage of the payment volume routed through Plugipay
• No fixed-amount component
• Billed monthly to the integrator, not the underlying merchant

This is invisible to end customers — they see Storlaunch's invoice, and Storlaunch pays Plugipay separately.

Workspace billing

Every workspace has a billing record describing what Plugipay charges that workspace. You can view it at Settings → Billing.

The billing record includes:

• Current plan (managed / BYO / partner)
• Payment method on file (for non-managed mode)
• Last invoice
• Next invoice projection

For partners, the billing record on a "child" merchant workspace shows partner-routed payments, not what the merchant owes Plugipay (they owe the partner, not us).

When you pay us

• Managed mode — fees are taken off each payment as it settles. You receive the net amount.
• BYO mode — we send you a monthly invoice for the platform fees. You pay it via Plugipay (yes, we eat our own cooking).
• Partner mode — monthly invoice to the integrator.

Invoices include line items per payment so you can reconcile.

Refund accounting

When you refund a payment:

• The full payment amount goes back to the customer.
• The fees Plugipay charged on the original payment are not refunded automatically (this is standard across the industry — processors don't refund their fees).
• In managed mode you can request fee refunds for legitimate cases (fraud, double-charge) — email hello@plugipay.com.

The refund's payment record shows the fee delta so your books match.

Currency conversion

Plugipay processes in the currency you charge in. If a customer's card is in a different currency, the provider (or the issuing bank) handles conversion before the funds reach you — we never apply FX ourselves.

That means:

• You see exactly what you charged, in your currency.
• The customer sees their currency, converted by their bank.
• The provider takes their cut (usually a small spread).

If you want to operate in multiple currencies, you can — each payment specifies its own currency and we settle in whatever your bank account accepts (typically IDR for Indonesian merchants, USD for export-oriented ones).

Volume discounts

Above certain monthly volume thresholds, our rates decrease. Thresholds and rates are negotiated — if you're processing more than IDR 1 billion per month, email hello@plugipay.com for a custom quote.

Trying it out

There's no minimum to use Plugipay. You can sign up, take a single test payment, and pay zero dollars (test mode is free forever; live mode costs only what you process).

If you process zero in a month, you're billed zero in that month. There's no "platform fee" or "seat fee."

Annual contracts

We offer discounted rates in exchange for an annual commitment. The model is:

• You commit to a minimum monthly volume.
• We discount the per-transaction rate.
• If you under-commit, the next month's rate adjusts; if you over-commit, you get the discount on the overage too.

This works for predictable businesses (subscriptions, marketplaces with steady traffic). It doesn't work as well for spiky businesses (event ticketing, seasonal retail) — pay-as-you-go is usually a better fit for those.

Cancellation

You can stop using Plugipay at any time. There's no contract to break.

The path is:

1. Migrate your customers and webhooks to your next provider.
2. Stop sending new traffic.
3. Wait for any in-flight refunds and disputes to settle (could take 60-90 days).
4. Click Close workspace in Settings → Billing.

We keep your data for 90 days post-closure for compliance (anti-money-laundering rules require we retain payment records). After that we delete.

Next

• Concepts — the data model behind pricing.
• Settings → Billing — the dashboard view of your billing relationship.
• Providers — how each mode works under the hood.