Billing
Understand how billing and settlement work for integrators, how your merchants get paid and how you get paid.
As an integrator, there are two distinct money flows to understand: how your merchants are settled for the payments they collect, and how you are settled for the fees you earn on top of those payments. Both flows run in parallel and are billed independently.
Your merchants' settlement
Tapaya settles card payments directly to each merchant's bank account. Funds move from Pending to Available as they clear the card networks, then get paid out automatically once the payout threshold is met.
| Payment Method | First Payout | Cycle | Threshold |
|---|---|---|---|
| Card Payments | 5-14 days | D+3 days | 30 Kč |
Invoices for processing fees are issued monthly, directly to the merchant, by the payment processor and by Tapaya. See Merchant Payouts for the full breakdown, including chargebacks and responsibilities.
Your settlement
You earn a share of every transaction your connected merchants process. These earnings accumulate in real time in your Platform Balance and are paid out monthly.
| Event | Timing |
|---|---|
| Fee accrual | Real-time, on transaction capture |
| Invoice generated | 1st of each month (self-invoicing) |
| Payout | 10th business day of the following month |
| Threshold | 30 Kč |
Your fee is configured on top of Tapaya's processing fee and is capped at a 5% total. See Platform Payouts for fee configuration and tax details.
Where to find invoices
- Merchant invoices: Tapaya Platform, Invoices section under each merchant.
- Your invoices: Tapaya Platform, Billing section, and emailed to your finance contact.
Reverse charge
If a merchant or your business operates in a different country than the payment processor or Tapaya, you might be subject to reverse charge and mandatory EU tax registration. Check with the local law.