Your business
Know your costs

4.99% + $0.40 per payment. Choose who covers the fee, and request payouts from your available funds.

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4.99% + $0.40

Per payment, in person or online. The same fee applies to both.

Choose who covers it

Pass the fee to your customer or have it deducted from your proceeds.

Request your payout

Owners can send available funds to a linked bank account. Instant payouts require eligibility.

United States signup

Merchant signup is open in the US. Other countries are not yet available.

Fees and payouts

Payment fees and payout fees are separate. Bank arrival and instant eligibility depend on your account and destination.

TypeDetailsFeeMore
PaymentsPer payment, in person or online. Your fee setting decides whether the customer covers the fee or it comes from your proceeds.4.99% + $0.40Payment Terms
Standard payoutThe owner requests available USD funds to a linked bank account. Arrival depends on account status and your bank. Any applicable payout fees follow your payment account’s terms.Account terms
Instant payoutRequires an eligible debit card and account access to instant payouts. Additional fees may be charged to your payment balance. Account and platform limits can still block a request.Variable

Availability by country

Only United States merchant signup is open. Every other country is not yet available.

43 countries shown

CountryAvailabilityFeesDetails
United StatesSignup open4.99% + $0.40 per paymentDetails
AndorraNot yet availableNot availableDetails
ArgentinaNot yet availableNot availableDetails
AustraliaNot yet availableNot availableDetails
AustriaNot yet availableNot availableDetails
BelgiumNot yet availableNot availableDetails
BoliviaNot yet availableNot availableDetails
BrazilNot yet availableNot availableDetails
CambodiaNot yet availableNot availableDetails
CanadaNot yet availableNot availableDetails
ChinaNot yet availableNot availableDetails
ColombiaNot yet availableNot availableDetails
CroatiaNot yet availableNot availableDetails
DenmarkNot yet availableNot availableDetails
FranceNot yet availableNot availableDetails
GermanyNot yet availableNot availableDetails
IndiaNot yet availableNot availableDetails
IndonesiaNot yet availableNot availableDetails
IrelandNot yet availableNot availableDetails
ItalyNot yet availableNot availableDetails
JapanNot yet availableNot availableDetails
KenyaNot yet availableNot availableDetails
LaosNot yet availableNot availableDetails
LithuaniaNot yet availableNot availableDetails
MalaysiaNot yet availableNot availableDetails
MongoliaNot yet availableNot availableDetails
NorwayNot yet availableNot availableDetails
PeruNot yet availableNot availableDetails
PhilippinesNot yet availableNot availableDetails
PortugalNot yet availableNot availableDetails
Puerto RicoNot yet availableNot availableDetails
SingaporeNot yet availableNot availableDetails
SloveniaNot yet availableNot availableDetails
South AfricaNot yet availableNot availableDetails
South KoreaNot yet availableNot availableDetails
SpainNot yet availableNot availableDetails
SwedenNot yet availableNot availableDetails
SwitzerlandNot yet availableNot availableDetails
ThailandNot yet availableNot availableDetails
TurkeyNot yet availableNot availableDetails
UkraineNot yet availableNot availableDetails
United KingdomNot yet availableNot availableDetails
VietnamNot yet availableNot availableDetails

Questions about fees

What people ask about what Pat costs.

Showing 7 of 7 questions

What is the payment fee?

The fee is 4.99% + $0.40 per payment, for both in-person and online payments. For example, the fee on a $100 sale is $5.39. This is the payment fee, not a quote for payout fees, tax or any separate bank or currency-conversion charges.

Who covers the payment fee?

In Settings, choose whether to pass the fee to the customer. When enabled, it is added to the customer’s final total. Otherwise, it is deducted from your proceeds. The fee applies in either case.

When can I request a payout?

An owner can request a payout after payout setup is complete and funds are available. Pending funds must become available first. Standard payouts go to a linked bank account; instant payouts require an eligible debit card and account eligibility.

How fast are payouts?

Standard bank arrival varies by account status and your bank. Instant payouts are available only when your account, destination and limits allow them. An eligible balance alone does not guarantee an instant payout.

What are the instant payout fees?

Instant payout fees depend on your payment account and destination. The app shows a card-specific, fee-adjusted eligible amount, not a fee quote for your requested payout. The exact fee is not currently quoted before the request, and a fee may also be charged to your payment balance.

Which countries can sign up?

Only the United States right now. Every other country in the directory is not yet available.

Who do I ask about my situation?

Start on the signup page if you are in the United States, or contact support.

Build on what you do

Bring your first idea or your established business to Pat. U.S. signup is open. Complete verification and activation online, then get paid for what you do.

Get startedBrowse every country