Pricing
Everything we charge, and everything they charge.
No “contact sales”, no quote hidden behind a form. Put your own numbers in and see the rupee figure for every provider in the market.
I takea month, at aboutRs.an order, with%of it by QR
You would pay Payments.lk
Rs. 9,060/ month
2.49% on local cards, nothing else
Cheapest in the marketYou keep, versus legacy pricing
Rs. 135,240 a year
Rs. 11,270 every month
What you would pay, against the legacy pricing leaders’ premium package
- 🥇🥇
2.49% on cards, 0.99% on QR, nothing else
Rs. 9,060
Rs. 108,720 / yrRs. 8,466 cards · Rs. 594 QR
- 🥈🥈
Legacy pricing leaders
Their premium package: the best card rate they publish, a monthly fee to reach it, and QR at 1.99%. 2.69% on local cards · Rs. 9,990 a month
Rs. 20,330
Rs. 243,960 / yrRs. 19,136 cards · Rs. 1,194 QR
What a monthly fee costs you in a year, before you sell anything
Every startup has bad months. A monthly fee does not care. It is charged whether you traded or not, so it lands hardest on the smallest merchants. Ours does not exist.
Payments.lk
No monthly fee, ever
Rs. 0
Legacy pricing leaders, premium package
Rs. 9,990 a month, before a single sale
Rs. 119,880
Our fee schedule
Three tiers on cards. The rate falls as you get smaller, the opposite of everyone else. QR rails are priced separately below.
- Starter: cards up to Rs. 100,000 a month2.29%
Credit and debit cards through the IPG, subsidised by our startup focus to help you get off the ground.
Where you start - Growth: cards up to Rs. 3,000,000 a month2.49%
Standard pricing on cards. Still cheaper than every published plan in the market, and still no monthly fee.
As you grow - Enterprise: over Rs. 3,000,000 a monthEnterprise
Speak to a payments specialist. At this size your card mix, chargeback profile and settlement terms move the rate more than volume does.
See what else Enterprise coversWhen you outgrow it
Our promise
The most money stays in your pocket.
We subsidise your start because we understand that in the beginning things are hard and you cannot yet make money. Where everyone else charges you up front, we take a different view. We are a payments and digital enablement partner with the sole focus of helping you grow, and we earn when you do.
- A subsidised start: 2.29% on cards while you get off the ground, with no monthly fee to reach it.
- No monthly fee and no setup fee, so a month with no sales costs you nothing.
- Every rate is published, and checked against the whole market every month.
- As you grow, the standard rate stays cheaper than every published plan; above Rs. 3,000,000 a month a specialist prices you against whatever you pay today.
If a published plan ever leaves you with more than we do at your volume, tell us and we will put it right: [email protected]
Added only when it applies
- Cross-border cards
- +1.0%
- Premium issuer cards
- +0.5%
- LankaQR and LankaPay
- 0.99% + Rs. 10
Cards issued outside Sri Lanka.
Higher interchange from the issuer, passed through at cost.
0.99% of the payment, plus Rs. 10 on payments under Rs. 2,500. Above that, 0.99% alone.
These are what the card networks charge us. We pass them through at cost rather than burying them in the headline rate.
What each kind of plan would cost you
Every published plan in the market, grouped by how it charges. The providers, plans and dates are in the sources below. Verified 5 September 2026.
Competitor figures are the providers’ published rates as at 5 September 2026. If one is wrong or has changed, write to [email protected] and we will correct it.