PRICING

PRICING

One partner
for every
system.

One partner
for every
system.

One partner
for every
system.

Technology, operations, customer care and growth, run for you as one accountable machine by the same teams that run our own infrastructure.

Technology, operations, customer care and growth, run for you as one accountable machine by the same teams that run our own infrastructure.

Technology, operations, customer care and growth, run for you as one accountable machine by the same teams that run our own infrastructure.

Book a call

Book a call

Book a call

Book a call

Start now

Start now

Where a £100 payment goes

One card payment, every cost named. Three of the four lines are network costs we pass through at cost. Only the margin is ours.

One card payment, every cost named. Three of the four lines are network costs we pass through at cost. Only the margin is ours.

One card payment, every cost named. Three of the four lines are network costs we pass through at cost. Only the margin is ours.

Worked Example

Interchange (issuing bank)

Interchange (issuing bank)

£0.20

£0.20

0.20%

0.20%

Scheme fees (card network)

Scheme fees (card network)

£0.11

£0.11

0.11%

0.11%

Acquirer costs (processing)

Acquirer costs (processing)

£0.09

£0.09

0.09%

0.09%

Ummah margin (flat, fixed for the term)

Ummah margin (flat, fixed for the term)

£0.20

£0.20

0.20%

0.20%

Total cost of acceptance

Total cost of acceptance

£0.60

£0.60

0.60%

0.60%

Illustrative figures. Network costs vary by card type, region, and channel, and pass through as they change. Your rate is quoted on your own volume and mix.

Illustrative figures. Network costs vary by card type, region, and channel, and pass through as they change. Your rate is quoted on your own volume and mix.

Illustrative figures. Network costs vary by card type, region, and channel, and pass through as they change. Your rate is quoted on your own volume and mix.

Book a call

Start now

Two ways to build on Ummah Pay

Two ways to build on Ummah Pay

Standard is self-serve with no contract or commitment. Custom is volume-based, for platforms that need tailored settlement and compliance terms.

Standard

Usage-based from day one. Sandbox, keys, and the full API surface with no monthly fee and nothing to renegotiate as you grow.

Starting from 1.15% + 15p

with bespoke quotes also available for higher volume.

with bespoke quotes also available for higher volume.

What's Included:

What's Included:

⊹

⊹

100+ payment methods and wallets

100+ payment methods and wallets

⊹

⊹

Smart routing with retry and fallback logic

Smart routing with retry and fallback logic

⊹

⊹

Split payments and sub-merchant payouts

Split payments and sub-merchant payouts

⊹

⊹

Real-time dashboard and analytics

Real-time dashboard and analytics

⊹

⊹

Sandbox environment and developer tools

Sandbox environment and developer tools

⊹

⊹

PCI DSS v3.2 Level 1 compliance included

PCI DSS Level 1 compliance included

Get started

Get started

No monthly fee · no minimum volume

Enterprise

Volume-based pricing for platforms processing at scale. Dedicated support, custom settlement terms, and tailored compliance configurations.

Custom

Based on monthly transaction volume

Based on monthly transaction volume

What's Included:

What's Included:

⊹

IC+ interchange pricing

IC+ interchange pricing

⊹

Custom settlement schedules

Custom settlement schedules

⊹

Dedicated integration support

Dedicated integration support

⊹

Tailored fraud rules and risk configuration

Tailored fraud rules and risk configuration

⊹

Priority SLA and uptime guarantees

Priority SLA and uptime guarantees

⊹

Interchange-plus rates quoted on your volume

Interchange-plus rates quoted on your volume

Talk to sales

Talk to sales

No monthly fee · no minimum volume

See how
Ummah works.

Step into the Ummah sandbox and explore the tools built to help modern businesses manage payments, money movement, and operations.

View Sandbox

View Sandbox