4.99% + $0.40
Per payment, in person or online. The same fee applies to both.
4.99% + $0.40 per payment. Choose who covers the fee, and request payouts from your available funds.
Get startedPer payment, in person or online. The same fee applies to both.
Pass the fee to your customer or have it deducted from your proceeds.
Owners can send available funds to a linked bank account. Instant payouts require eligibility.
Merchant signup is open in the US. Other countries are not yet available.
Payment fees and payout fees are separate. Bank arrival and instant eligibility depend on your account and destination.
| Type | Details | Fee | More |
|---|---|---|---|
| Payments | Per payment, in person or online. Your fee setting decides whether the customer covers the fee or it comes from your proceeds. | 4.99% + $0.40 | Payment Terms |
| Standard payout | The 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 payout | Requires 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 |
Only United States merchant signup is open. Every other country is not yet available.
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What people ask about what Pat costs.
Showing 7 of 7 questions
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.
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.
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.
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.
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.
Only the United States right now. Every other country in the directory is not yet available.
Start on the signup page if you are in the United States, or contact support.
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