> ## Documentation Index
> Fetch the complete documentation index at: https://docs.agentaos.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Pricing

> Transparent per-transaction fees plus an optional plan. No setup costs, no hidden charges. You pay when you get paid.

AgentaOS charges a fee on each payment you accept, plus an optional monthly plan that lowers your rate. Tax registration, collection, remittance, invoicing, and payouts are all included in what you pay as your Merchant of Record. There are no setup costs and no hidden charges.

<Note>
  **Founding 30.** The first 30 founders and teams to go live get Pro rates with **no monthly subscription, forever.** [Open an account](https://app.agentaos.ai) to claim a spot.
</Note>

## Plans

| Plan              | Bank & stablecoin | Card               | Monthly  |
| ----------------- | ----------------- | ------------------ | -------- |
| **Pay as you go** | 1.5%              | 4.5% + €0.50       | €0       |
| **Pro**           | 1.0%              | 4.0% + €0.40       | €49 / mo |
| **Scale**         | \~0.5%            | Cost-plus (custom) | Custom   |

* **Pay as you go** is the no-commitment entry lane. No monthly fee, slightly higher per-transaction rate.
* **Pro** lowers every rate by \~0.5%. It pays for itself at roughly €10,000/mo in volume, and the dashboard tells you when you cross that line.
* **Scale** is for high-volume merchants and agencies (sub-accounts, higher limits, negotiated rates).

Transaction fees apply to the gross amount and are netted from your settlement, so there is nothing to invoice or pay separately.

## What a card payment costs

The card rate depends on where your buyer's card was issued. AgentaOS settles each charge in its own currency and lets the buyer cover FX, so you are not paying a conversion markup.

| Buyer's card         | Typical cost to us                   |
| -------------------- | ------------------------------------ |
| EEA (Europe)         | Lowest                               |
| US and other non-EEA | Higher (an issuer surcharge applies) |

The Pro card rate (4.0% + €0.40) is a flat price to you regardless of your buyer's origin.

## Payouts

Where your payout method charges a fee, it passes straight through to you at cost. AgentaOS does not mark it up. See [Payouts](/payouts/overview).

## FAQ

<AccordionGroup>
  <Accordion title="Is there a monthly fee?">
    Only on Pro (€49/mo) and Scale. Pay as you go has no monthly fee. And the Founding 30 program waives the Pro subscription forever for the first 30 founders and teams.
  </Accordion>

  <Accordion title="When is Pro worth it?">
    Pro lowers every rate by about 0.5%, so it pays for itself at roughly €10,000/mo in volume. Below that, Pay as you go is cheaper. The dashboard nudges you the moment Pro would save you money.
  </Accordion>

  <Accordion title="Does the fee cover tax compliance?">
    Yes. The transaction fee is what funds AgentaOS acting as your Merchant of Record: tax registration, collection, remittance, and invoicing. You do not pay separately for those.
  </Accordion>

  <Accordion title="Are payout fees marked up?">
    No. Where a payout method has a fee, it passes through to you at cost.
  </Accordion>

  <Accordion title="Does the card rate change by country?">
    The cost to us varies by your buyer's card origin, but the Pro card rate (4.0% + €0.40) is flat to you. See [Supported countries](/mor/supported-countries).
  </Accordion>
</AccordionGroup>

## Next steps

<CardGroup cols={3}>
  <Card title="How it works" icon="handshake" href="/mor/how-it-works">
    What a Merchant of Record is and why it matters.
  </Card>

  <Card title="Supported countries" icon="earth-europe" href="/mor/supported-countries">
    Where you can sell and get paid.
  </Card>

  <Card title="How tax works" icon="scale-balanced" href="/mor/tax">
    Destination VAT, where we are registered, and what shows on the invoice.
  </Card>
</CardGroup>