Reparpay only charges on flow that's actually settled to you. No seats, no minimums on Build, no per-dispute fee on Scale and above. Recovered chargebacks come back to you in full — Reparpay never takes a cut.
For start-ups shipping the first version of payments. Self-serve onboarding, every core API, no monthly minimum.
For finance teams that need full ledger truth, SSO, and white-glove dispute coverage on every chargeback.
For regulated entities, PSPs and acquirers that need on-prem control, private routing and signed audit logs.
| Feature | Build | Scale | Enterprise |
|---|---|---|---|
| Monthly volume cap | €250k | €10M | Unlimited |
| Charge & refund APIs | ✓ | ✓ | ✓ |
| Dispute response queue | €4 per filing | Included, unlimited | Included, unlimited |
| Network & rail routing | Auto | Auto + manual override | Custom acquiring |
| Multi-entity ledger | 1 entity | Up to 12 | Unlimited |
| SSO & SCIM | — | SAML, OIDC, SCIM | + custom IdP |
| Audit logs | 90 days | 3 years | 10 years, signed |
| Uptime SLA | Best effort | 99.95% | 99.99% |
| Onboarding | Self-serve | Migration team | Dedicated engineer |
| Support | Email, 24h SLA | Chat, 4h SLA, CSM | 24/7 phone, 30m SLA |
| Reporting exports | CSV, JSON | + NetSuite, Sage, Pennylane | + on-prem replica |
| Recovered fund cut | 0% | 0% | 0% |
Idle balance automatically swept into low-risk T-bill funds, with same-day liquidity. From 0.04% on the swept balance.
Virtual and physical cards on Visa or Mastercard, with full controls and the same ledger entry your finance team already knows. Per-card pricing on request.
Marketplace splits, instant payouts to sellers across SEPA Instant, ACH and Pix. €0.18 per payout, capped at €4 per recipient per day.
Our team will model your last quarter against the three plans and send the per-euro cost of each — within a working day, with the numbers signed.