Pricing
Plugipay charges a flat monthly fee plus a thin platform fee on gateway volume. Xendit / Midtrans / PayPal gateway fees are paid directly to the gateway — not through us. No MRR percentage, no markup, no lock-in.
Full tier table and interactive pricing at plugipay.com/pricing.
How it's priced
Three components make up your monthly bill:
- Flat platform fee — Paid to Plugipay. One number per month, doesn't scale with your success.
- Platform fee on volume — A small percentage of GMV that passes through Plugipay. Tier-dependent: 0% on Starter, down to 0.2% on Enterprise.
- Gateway fees — Paid directly to Xendit / Midtrans / PayPal at their published rates. Plugipay takes no cut and does not markup.
Tiers at a glance
| Tier | Monthly fee | Platform fee | GMV band |
|---|---|---|---|
| Starter | Rp 0 | 0% | up to Rp 20M/month |
| Growth | Rp 299,000 | 0.4% | Rp 20M – 200M/month |
| Scale | Rp 1,490,000 | 0.3% | Rp 200M – 2B/month |
| Enterprise | from Rp 7.5M | 0.2% (negotiated) | > Rp 2B/month |
Move tiers when your GMV crosses the threshold. You can bill yourself on the next cycle; we don't auto-charge you into a higher tier without confirmation.
Worked example — Growth tier, Rp 500M GMV
Monthly fee (flat) Rp 299,000
Platform fee (0.4% × 500M) Rp 2,000,000
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Total to Plugipay Rp 2,299,000 / month
Gateway fees (Xendit) in the same month:
QRIS (60% of volume, 0.7%) Rp 2,100,000
VA (25%, Rp 4,000/tx ≈ 0.2%) Rp 250,000
Card (15%, 2.9% + Rp 2,000) Rp 2,178,000
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Total to Xendit Rp 4,528,000 / month
Paid directly to Xendit at their rates. Plugipay doesn't see this; it's between you and the gateway.
What's included in every tier
- All payment methods supported by your chosen provider (QRIS, VA, OVO, DANA, cards, PayPal, etc.)
- Subscription management (Plan, trial, proration)
- Invoicing with VAT (11%) built in
- Outbox events with replay
- Full CLI + sandbox
- No credit card required to start
- No sales call
What's not included / not charged
- Not a revenue share. We don't take a percentage of your MRR. Flat monthly fee + thin platform fee on volume.
- Not a Merchant of Record. You own the customer contract. Invoices are billed under your name.
- No gateway markup. Your QRIS / VA / card rates are what Xendit publishes — we don't add a spread.
- No forced 14-day trial. Starter is free forever until you cross Rp 20M/month GMV.
Tier-specific features
Starter (free)
- Everything in the "included" list above
- Up to Rp 20M GMV/month
- Community support (email, 48h response)
Growth (Rp 299K/mo)
- Everything in Starter, plus:
- Automatic DunningPolicy (configurable retries)
- PortalSession (15-minute self-service links)
- Double-entry Ledger with CSV export
- Multi-gateway routing fallback
- Webhook SLA: 99.5% < 10s · email < 24h
Scale (Rp 1.49M/mo)
- Everything in Growth, plus:
- Revenue recognition lite (accrual-basis reports)
- Tax export (VAT DJP-ready CSV)
- Webhook SLA: 99.9% < 5s
- Multi-environment sandbox
- Priority support: < 4h response + onboarding call
Enterprise (from Rp 7.5M/mo, negotiated)
- Everything in Scale, plus:
- Dedicated routing rules
- Multi-entity ledger (holding company structures)
- Uptime SLA: 99.95% + credits
- Custom MSA / DPA / NDA
- Dedicated Slack channel + migration support
Contact sales@plugipay.com for Enterprise.
FAQ
What happens when I cross a GMV threshold? Your next invoice auto-bumps to the next tier's flat fee. You see the change coming in the dashboard a week ahead — no surprise charges.
Can I pre-pay annually? Yes, on Growth and Scale. Two months free (16.7% discount). Contact sales.
What if I use multiple providers (e.g., Xendit + PayPal)? Platform fee is charged once on consolidated GMV across all providers. You don't pay twice.
Do you charge for sandbox? No. Every tier includes full sandbox access at no cost. You only start paying when you process live volume.