{
  "currency": "USD",
  "updated": "2026-10-31",
  "vat": "Prices exclude VAT where VAT applies.",
  "billing": "Monthly, in arrears, as one invoice. Annual prepay is 10 months for 12.",
  "plans": [
    {
      "id": "free",
      "name": "Free",
      "monthlyMinor": 0,
      "annualMinor": 0,
      "includedPayments": 25,
      "sites": 1,
      "coupons": false,
      "prioritySupport": false,
      "overage": false,
      "summary": "25 payments a month, test mode, one site. Stops at the cap; never charges."
    },
    {
      "id": "starter",
      "name": "Starter",
      "monthlyMinor": 1500,
      "annualMinor": 15000,
      "includedPayments": 100,
      "sites": 3,
      "coupons": true,
      "prioritySupport": false,
      "overage": true,
      "summary": "100 payments included, three sites, coupons, webhooks."
    },
    {
      "id": "growth",
      "name": "Growth",
      "monthlyMinor": 4900,
      "annualMinor": 49000,
      "includedPayments": 500,
      "sites": 10,
      "coupons": true,
      "prioritySupport": false,
      "overage": true,
      "summary": "500 payments included, ten sites, subscriptions and instalments."
    },
    {
      "id": "scale",
      "name": "Scale",
      "monthlyMinor": 14900,
      "annualMinor": 149000,
      "includedPayments": 2500,
      "sites": 30,
      "coupons": true,
      "prioritySupport": true,
      "overage": true,
      "summary": "2,500 payments included, thirty sites, priority support."
    },
    {
      "id": "enterprise",
      "name": "Enterprise",
      "monthlyMinor": null,
      "annualMinor": null,
      "fromMonthlyMinor": 49900,
      "includedPayments": null,
      "sites": null,
      "coupons": true,
      "prioritySupport": true,
      "overage": true,
      "summary": "From $499 a month: custom volume, SLA, onboarding. By quote."
    }
  ],
  "usage": {
    "rule": "Payments beyond the plan's included allowance pay a percentage of their value, at a rate that falls with the payment's number in the month, with a minimum per payment.",
    "tiers": [
      {
        "fromPayment": 1,
        "toPayment": 1000,
        "rateBps": 200,
        "minimumMinor": 10
      },
      {
        "fromPayment": 1001,
        "toPayment": 2500,
        "rateBps": 150,
        "minimumMinor": 8
      },
      {
        "fromPayment": 2501,
        "toPayment": 10000,
        "rateBps": 100,
        "minimumMinor": 6
      },
      {
        "fromPayment": 10001,
        "toPayment": 50000,
        "rateBps": 60,
        "minimumMinor": 5
      },
      {
        "fromPayment": 50001,
        "toPayment": null,
        "rateBps": 40,
        "minimumMinor": 4
      }
    ]
  },
  "providerFees": "Provider fees, bank charges and the transfer tax are paid by the merchant to the provider at cost. WavePay adds no markup to them.",
  "modes": {
    "ownKeys": {
      "enabled": true,
      "summary": "Pass-through: you connect your own provider account; the provider pays you directly and WavePay never holds your money. Only the plan and usage fees above apply."
    },
    "collection": {
      "enabled": false,
      "summary": "WavePay collects and pays out. Requires a Reserve Bank payment service provider licence; not offered yet.",
      "extraFeeBps": 150,
      "payoutFeeMinor": 100,
      "minimumPayoutMinor": 2000
    }
  }
}