One rate. No surprises.
No monthly minimum, no setup fee, and no charge for a payment that fails. You pay only when you get paid.
The payment rail, the identity check, and the audit trail.
Saldivo pricing is built for firms that need a clear answer when a client asks what they paid for. The transaction fee includes payment orchestration, payer verification, settlement status, reconciliation data, webhook delivery, and the evidence record that proves who paid.
Predictable fees on real invoice values.
Open banking is usually the lower-cost route for accountancy collections because the fee is capped. Cards remain useful when a payer expects Apple Pay, Google Pay, or a familiar card checkout.
Use the rail that fits the payer, not a separate process.
Open banking for larger invoices
For accountancy invoices, tax work, payroll services and regular business collections, pay-by-bank usually gives the best fee outcome. The cap keeps high-value invoices predictable, and the payer authorises directly with their bank.
Cards for speed and familiarity
Cards are useful when a payer expects a card checkout, wants Apple Pay or Google Pay, or needs to settle while away from online banking. The same invoice, payer identity and audit trail are still used.
One operational record either way
Your team does not need two reconciliation processes. Saldivo stores the method, provider reference, payer verification and settlement result against the same payment object, so reporting stays consistent across rails.
Questions, answered plainly.
No. There is no monthly minimum and no setup fee. You pay a per-transaction rate only when a payment settles.
Nothing is charged. You are only billed on payments that successfully settle.
Never. Saldivo orchestrates the payment; funds move through Stripe Connect and Yapily directly to your account. Saldivo is not an FCA-authorised payment institution.
Yes. Certivus verification and the audit certificate are part of the per-transaction rate, not an add-on.
One rate. Live in minutes.
No monthly fee, no setup cost, and no charge for a payment that fails.