How does the Pay As You Go (1% to 3%) fee scaling work?

Our Pay As You Go tier charges 1% for monthly turnover under R2,000, 2% for turnover between R2,000 and R4,000, and 3% for turnover of R4,000 and above (making our flat R350/mo Subscription tier the ideal high-volume choice).

How does the Subscription pricing work if my monthly turnover crosses R20,000?

The Subscription plan is R350/month with 0% platform fees on turnover up to R20,000. If your monthly turnover crosses R20,000, a low 1% fee applies to the volume above R20,000 on top of the R350 base fee, keeping your total costs drastically lower than traditional merchant payment solutions.

How does the R500 onboarding fee rebate work on the Subscription tier?

When you join the Subscription tier, there is a one-time R500 onboarding setup fee. If you maintain an active account for 12 consecutive months, the entire R500 is 100% rebated back to you as platform credit or refund.

What is 'Advanced Payment Stack Support' and how does it work?

Instead of waiting on hold or navigating complex technical support tickets with individual payment gateways and BNPL vendors, our team acts as your direct advocate and technical liaison. We assist in communications between your payment providers to query late payouts, resolve frozen funds, troubleshoot API errors, and streamline transaction reconciliation.

Which BNPL and payment portal providers are supported?

Spiral Pay connects seamlessly with all major BNPL providers and payment portal / gateway providers that offer API support. You retain your existing merchant accounts and payout settlements while enjoying a unified point-of-sale and tracking OS.

What is Delinquent Link & Invoice Management?

Included in the Subscription tier, Delinquent Management tracks payment links and invoices that were abandoned or expired without payment. You get automated reminders, 1-click WhatsApp follow-ups, Haunted Links automated 7-day recovery emails, and penalty-free link cancellation.

Can I switch between Pay As You Go and Subscription?

Yes. You can switch plans at any time directly through your merchant dashboard. Upgrades take effect immediately so you can unlock advanced delinquent tracking and provider liaison support right away.

What kind of support is included with the Subscription tier?

Subscription members receive a dedicated account manager reachable directly on WhatsApp and phone with 7-day support (including weekends) to assist with customer payment queries and tech support.

How do sub-user accounts work for my employees and field teams?

With the Subscription tier, you can create independent logins with unique 5-digit PINs for your cashiers, sales reps, and field technicians. You control exactly which pages they can access (e.g. only 'Create Pay Link' and 'Invoices'), preventing them from viewing sensitive business revenue, payout bank accounts, or system settings.

Transparent Pricing · Zero Hidden Surprises

Predictable Pricing for
South African Merchants

Scale effortlessly with our flexible Pay As You Go model, or power your entire business with the Subscription tier for advanced delinquent recovery, sub-user employee accounts, and dedicated tech support.

0% Platform Fee on Subscription 100% Rebated Onboarding Sub-User Staff Logins

Most Flexible

Zero Monthly Commitment

Pay As You Go

Ideal for pop-ups, boutique shops, and emerging merchants wanting standard payment links and invoices with no monthly fixed overhead.

1% – 3%/ gross volume

R0 monthly fee · R0 setup fee

< R2,000

1.0%

R2k – R4k

2.0%

R4,000+

3.0%

Base Features Included:

30 payment links per month via WhatsApp, SMS, and QR code

Multiple payment integrations:

Standard invoice generation & standard invoice management

Standard link management & live transaction history

Standard customization (business name, brand colors, contact info)

Standard email & ticket support

Get Started with Pay As You Go

Full Access · Best Value

Subscription Plan

Merchant Pro

Full-power merchant operating suite with delinquent link recovery, sub-user employee permissions, custom invoice branding, and dedicated tech support.

R350/ month

0% fee up to R20,000/mo (+1% on turnover exceeding R20k)

R500 One-time Onboarding Fee

100% Rebated back to your account when you stay active for 12 months.

Everything in Pay As You Go, Plus:

Unlimited Payment Links:

Generate unlimited payment links and invoices every month with zero volume caps.

Advanced Payment Stack Support:

We act as your direct liaison with payment gateways and BNPL providers — resolving frozen funds, troubleshooting API errors, and querying delayed disbursements so you never wait in phone queues.

Advanced Link Management:

Delinquent payment tracking, 1-click WhatsApp payment reminders, penalty-free link cancellation, and Haunted Links automated 7-day recovery emails.

Advanced Invoice Management:

Delinquent invoice status tracking, multi-stage reminders, custom invoice formats & high-res brand logo embeds on receipts.

Sub-User Accounts & Role Permissions:

Create multiple employee sub-accounts for cashiers and field teams to generate payment links and invoices on site, while locking out sensitive financial data, settings, and payout details.

Free Custom Integrations & Add-Ons:

Free access to all new integrations, plus priority direct requests for custom payment stack integrations and POS add-ons.

Dedicated Account Manager (7 Days a Week):

Direct WhatsApp & phone support with weekend coverage to assist your team whenever you are open for business.

Start Subscription Plan

Interactive Cost Calculator

Compare Your Monthly Costs

Move the slider to see how much you save on the Subscription tier as your turnover grows.

Your Estimated Monthly Revenue

R 35 000,00

R1,000R4,000R20,000R60,000+

Pay As You Go (3%)

R 1 050,00 /mo

3.0% tier (R4,000+ turnover)

Subscription Plan (R350 + 1%)

R 500,00 /mo

R350 base + 1% fee on volume above R20k (+R 150,00)

Your Monthly Subscription Savings

+R 550,00 /mo

Saving money every single month on Subscription with full Pro features!

Side-by-Side Breakdown

Compare Features in Detail

Feature	Pay As You Go	Subscription (Pro)
Pricing & Commitments
Monthly Fixed Fee	R0 / month	R350 / month
Transaction Platform Fee	1% to 3% scaled	0% up to R20k (+1% above R20k)
Onboarding Fee	R0 Free	R500 (100% Rebated after 12 mo)
Link Creation & Integrations
Monthly Payment Link Volume	30 links / month	Unlimited Links
All BNPL Providers Support*
All Payment Portals / Gateway Support*
Split Payment & Deposit Links
Advanced Link & Delinquency Management
Delinquent Payment Tracking	—
Delinquent Invoice Management & Multi-Stage Reminders	—
Risk-Free Payment Link Cancellation	—
Haunted Links Automated 7-Day Expired Recovery	—
Customization, Support & Staff
Brand Customization	Standard Colors	Advanced Custom Formats + Logo Images
Sub-User Accounts (Field Teams & Cashiers)	1 Admin Login	Multiple Sub-Accounts + Controlled Page Access
Advanced Payment Stack Support (Provider Liaison)	—
Free Custom Integrations & Add-on Requests	—
Customer Support	Standard Email / Ticket	Dedicated Manager + 7-Day Weekend Support

Got Questions?

Frequently Asked Questions

2 Months Free Testing Phase

Ready to Upgrade Your Payment Stack?

Launch your store with 2 months of completely free access, complimentary onboarding, and dedicated founding team support.

Claim 2-Month Free Trial Get Started with PAYG