Pricing and bank payouts

No setup or monthly fees 


Using Hopoti is completely risk-free for companies. Registration is free,there is no binding contracts and the service can be tried out for as long as you like. 

We only charge fees for payments 


All we charge is a sales commission of the payments processed by Hopoti, which is 3.3% of the total price. The commission is charged for the entire payment (total price, including tax), and the current rate of value added tax is applied in countries where needed. The minimum commission before tax is EUR 1 / GBP 1 / SEK 10 / AUD 1 per transaction, please note that the additional payment method specific costs described below may apply. 

Payments straight into your account 


We shall transfer the payments directly to your bank account with the following appropriate payout schedule: 
  • Daily, weekly or monthly rolling cycle with delay or custom payouts.
Hopoti’s sales commission is automatically deducted from the payout, and the payout always includes the total payment, regardless of the payment method selected by the client.

 

Additional payment method specific costs 


Hopoti’s basic prices outside Finland include all European debit and credit cards. A list of additional payment method specific costs can be found below. The current rate of value added tax is applied. 
  • American Express +1.9% 
  • Debit and credit cards issued outside Europe +1.9% 
We recommend enabling all payment methods for clients, as even if some card payments entail a small additional cost only a very small portion of clients, less than 5% according to our statistics, uses these payment methods.

Reverse charge on VAT 


If your company has registered as liable for value added tax in the EU (outside Finland), the VAT liability can be transferred directly to your company. This means that we do not charge the rate of value added tax in our sales commissions, and your company is liable for the value added tax of the service commission in your country. Be sure to follow your country’s taxation principles!
 

🇫🇮 Finland: Additional payment method specific costs 


By default, the most common payment methods used in Finland are made available, but these can also be disabled by contacting our customer service. According to the EU Payment Services Directive, valid from the beginning of 2018, additional payment method specific costs cannot be charged from the payer, which means that companies are responsible for the costs charged by card companies. The additional cost is charged automatically, and it is present in Hopoti’s sales commission. A list of additional payment method specific costs applied in Finland can be found below. The current rate of value added tax is applied. 
  • Card payments +1.55% 
  • Masterpass +1.55% 
  • MobilePay +1.55% 
  • Pivo +1,55%
  • Siirto +0,75%
We recommend enabling all payment methods for clients, as even if card payments entail a small additional cost only a very small portion of clients, less than 5% according to our statistics, uses these payment methods in Finland.

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