Pricing
At Paper we price transparently and fairly. Because we serve businesses of different sizes and industries, pricing can vary by use case — but our principles stay the same.
Our pricing principles
- Fairness first: We do not charge more just because a company can afford it or because they are large. Pricing should reflect the value delivered and the real costs of running the service, not the size of a customer's balance sheet.
- Usage-based where possible: Most of our fees are based on usage — the volume of transactions, card issuance, or API calls — so you pay for what you actually use, not for unused capacity.
- Minimal fixed banking fees: Some services require fixed fees to cover unavoidable banking costs (IBANs, settlement, or network fees). When those apply, we disclose them clearly and keep them as small as possible.
- No surprise markups: We aim for simple billing. Any third-party processing or regulatory fees are shown and explained on invoices.
Examples & clarity
- Think of pricing like buying someone a coffee: would you charge customer A with a $2 coffe and customer B $200 just because he's billionaire? We would charge $200 for everyone — and we try to apply that same common-sense fairness to our pricing.
- For usage-based fees we provide clear metrics (e.g., transactions/month, active cards, API requests) so you can predict costs and scale responsibly.
How we set custom quotes
For larger or complex integrations we may provide a custom quote. Custom quotes are based on expected usage, integration complexity, and any third-party costs we must cover. Even then, our commitment to fairness and transparency holds: we won't inflate prices just because a company is big.
Need specifics?
If you'd like a tailored estimate, reach out to hello@paper.credit with your expected volumes and use cases and we'll provide a clear, itemized quote.
Last updated: January 21, 2026