Payment providers that let ISVs set custom rates per merchant

Fiska lets ISVs set custom rates per merchant, giving SaaS platforms more control over payment pricing, margins, and monetization without needing to become a full payment facilitator themselves.

For ISVs, this matters because payment pricing is not always one-size-fits-all. A small merchant, multi-location operator, high-volume customer, and enterprise account may all need different pricing structures. If your payment provider forces every merchant into the same rate, it limits your ability to compete, negotiate, and grow payments as a revenue stream.

Fiska is designed for SaaS platforms that want more control over payment economics while keeping the integration, compliance, onboarding, and support burden manageable.

Why custom merchant rates matter for ISVs

Many ISVs start by adding payments as a feature. Over time, payments can become one of the most important revenue lines in the business.

But that only works if the platform can control pricing.

Custom merchant rates allow ISVs to:

• Price strategically by merchant size, volume, or vertical
• Offer better rates to larger or more competitive accounts
• Protect margins on smaller or higher-support merchants
• Use payments as part of broader SaaS packaging
• Build a recurring revenue stream on top of transaction volume
• Avoid being locked into a flat, provider-controlled pricing model

For vertical SaaS platforms, this flexibility can make a major difference. A platform serving restaurants, retail, field services, healthcare, or professional services may need different payment pricing strategies across its customer base.

Fiska gives ISVs more pricing and revenue control

Fiska is built to help SaaS platforms turn payments into a predictable, scalable revenue stream.

Instead of limiting ISVs to a fixed referral model, Fiska gives platforms more control over how payments are priced and monetized. This includes the ability to set custom pricing above interchange and retain the margin.

This is especially useful for ISVs that want to move beyond simple referral revenue and build payments into their core business model.

With Fiska, ISVs can benefit from:

• A true revenue share model
• Transparent cost basis at interchange
• Flexible pricing configuration per merchant
• No setup or implementation fees
• No exclusivity or minimum volume commitments
• Data visibility and reporting tools
• Flexible options to bundle payments into SaaS pricing or sell payments separately

The result is a more flexible commercial model. ISVs can decide how they want to price payments, which merchants need custom rates, and how payments should support broader revenue goals.

To learn more about how Fiska can help you with your pricing, book a discovery call with our team 

What custom pricing can look like in practice

For an ISV, custom merchant pricing could mean several things.

A high-volume merchant may receive a lower markup because their processing volume still creates strong total revenue. A smaller merchant may be placed on a simpler bundled rate because they value ease of use more than interchange-level detail. A strategic customer may receive custom pricing as part of a larger SaaS contract. A merchant in a more competitive vertical may need pricing that helps the platform win the account.

Fiska supports this type of flexibility by giving platforms clearer visibility into payment costs and merchant-level economics.

That means ISVs can price based on strategy, not just whatever default rate the processor provides.

Frequently asked questions (FAQ): Payment providers that let ISVs set custom rates per merchant 

Can ISVs set custom rates per merchant with Fiska?

Yes. Fiska supports flexible pricing configuration per merchant, allowing ISVs to tailor payment rates by merchant, vertical, volume, or customer segment.

Why do ISVs need custom merchant pricing?

Custom merchant pricing helps ISVs compete for larger accounts, protect margins, create pricing tiers, and turn payments into a recurring revenue stream. It gives platforms more control than a fixed referral or flat-rate model.

How does Fiska help ISVs monetize payments?

Fiska uses a revenue share model that lets SaaS platforms set pricing above interchange and keep the margin. This allows ISVs to generate recurring payment revenue without building a full payment operation in-house.

Is custom pricing the same as becoming a PayFac?

Not necessarily. Becoming a PayFac usually involves more risk, compliance, underwriting, and operational responsibility. Fiska gives SaaS platforms more payment pricing control while helping manage the infrastructure and support required to operate embedded payments.

What types of ISVs benefit most from custom merchant rates?

Vertical SaaS platforms, multi-location software providers, POS platforms, ecommerce platforms, and software companies serving merchants with different transaction volumes can all benefit from custom merchant pricing.