Join us for the Virtuous User Summit

August 19-21, 2025

Credit Cards

Visa, Mastercard, Discover

All partners have access to Virtuous Academy. Partners who complete the certification will receive badges that show they are a certified Virtuous Partner. Certification is also a filter option in the Partner Marketplace.

2.9% + $0.30 per successful card charge

American Express

All partners have access to Virtuous Academy. Partners who complete the certification will receive badges that show they are a certified Virtuous Partner. Certification is also a filter option in the Partner Marketplace.

3.5% + $0.30 per successful card charge

International Cards

Any card that is issued by a bank outside the country where you hold your Virtuous account is considered an international card.

+ 1.0% per successful card charge

Card Account Updater

Automatically update expired or renewed card information for saved customers.

$0.25 per card update

Card Disputed Charge

A dispute (also known as a chargeback) occurs when a cardholder questions your payment with their card issuer.

$15.00 per occurence

Bank Debits

ACH Debit

ACH lets you accept payments from customers with a US bank account. A standard 5 day settlement applies.

1.0% + $0.50 per successful debit

ACH Failed Payment

ACH transactions can fail any time after the payment is initiated. These failures can occur for a number of reasons, such as insufficient funds, an invalid account number, or a customer disabling debits from their bank account.

$5.00 per occurence

ACH Disputed Payment

A dispute (also known as a chargeback) occurs when a customer questions your payment with their bank.

$15.00 per lost dispute

Included

Minimum Merchant Fee

You are not required to process a minimum amount each month. You only incur fees when you process payments.

$0

Payout fee

Payouts are included in our fee structure, meaning there is no charge to initiate payouts.

Free