Why Pricora Doesn't Take a Cut of Your Card Payments

No percentage on your payments

Pricora does not take a percentage of your card payments. Your payment provider charges you its own fees for processing the card, and Pricora does not add a commission on top of them.

That sentence is short on purpose. Fees are where many tools hide the real cost, so it is worth being plain about what we do and do not charge, and showing you how to check any platform yourself.

Why percentages are easy to underestimate

A fee of 1% or 2% sounds small. But a percentage grows with your sales, so the better your month, the more you pay. Compare fees in money, not in percent.

Monthly cost = monthly card turnover × fee % + fixed fees

Worked example (illustrative)

A restaurant takes €30,000 a month by card.

• Every 1% of fee is 30,000 × 0.01 = €300 a month, or €3,600 a year.
• A provider charging 1.5% plus €0.10 per transaction, with 1,500 transactions a month, costs 30,000 × 0.015 = €450, plus 1,500 × 0.10 = €150, which is €600 a month. As a share of turnover that is 600 ÷ 30,000 = 2.0%, higher than the headline 1.5%.
• A flat subscription of, say, €79 a month, is the same €79 whether the month is slow or full.

The right choice depends on your volume and your average ticket. At a low volume a percentage can be cheaper. At a high volume, a flat fee usually wins. What matters is that you can see it in money.

How to check any platform's real cost

1. Ask for the full fee schedule, in writing.
2. List every fee: percentage, fixed fee per transaction, monthly subscription, set-up fee, terminal rental, refund and chargeback charges.
3. Use your own volume, not the provider's example. Take last month's card turnover and the number of transactions.
4. Add it up and divide by the turnover to get the effective rate.
5. Compare with a flat subscription, if one is available.
6. Ask what happens if you leave: is there a contract term, a cancellation fee, and can you take your data?

Why predictable costs matter

A restaurant already faces costs that move: ingredients, energy, wages. When the cost of the tools you use is fixed, you can plan with more certainty. When it grows with every sale, it behaves like another ingredient whose price you do not control.

Takeaway

Choose the model where your costs are predictable and you can see every fee. Compare in money, with your own numbers, and ask for everything in writing.