name: Lemonway FinOps
description: Financial operations reference for Lemonway marketplace payment API costs, covering per-transaction fees, account maintenance costs, monthly service charges, and chargeback exposure for marketplace operators.
url: https://www.lemonway.com/en/pricing
created: '2026-06-13'
modified: '2026-06-13'
currency: EUR
costDrivers:
  - category: Pay-In Fees
    description: Fees charged per successful inbound payment transaction
    items:
      - name: Card payment (Visa, Mastercard, CB)
        model: percentage_plus_flat
        rate: 1.10
        flatFee: 0.25
        notes: Includes 3D Secure v2; pre-authorization and multi-capture supported
      - name: Bank transfer / SEPA direct debit
        model: percentage_plus_flat
        rate: 0.30
        flatFee: 0.40
      - name: Virtual IBAN (dedicated)
        model: monthly_plus_per_transaction
        monthlyFee: 250.00
        perTransactionFee: 0.15
      - name: PayPal
        model: percentage_plus_external
        rate: 0.40
        notes: Additional PayPal platform fees apply on top
      - name: Pay by Bank
        model: monthly_plus_per_transaction
        monthlyFee: 150.00
        perTransactionFee: 0.15
      - name: Apple Pay / Google Pay
        notes: Included within card payment fee structure
  - category: Account Maintenance Fees
    description: Monthly fees per active payment account (wallet) on the platform
    items:
      - name: Individual account
        model: per_account_monthly
        fee: 0.40
      - name: Legal entity account
        model: per_account_monthly
        fee: 0.80
  - category: Pay-Out Fees
    description: Fees charged per outbound payment to bank accounts
    items:
      - name: European bank transfer (SEPA)
        model: flat
        fee: 0.50
      - name: International bank transfer
        model: flat
        fee: 9.00
  - category: Dispute and Chargeback Fees
    description: Fees incurred when a cardholder disputes a transaction
    items:
      - name: Chargeback processing fee
        model: flat
        fee: 35.00
        notes: Per chargeback event regardless of outcome
  - category: Platform Setup
    description: One-time and recurring platform access fees (Starter Pack)
    items:
      - name: Starter Pack setup fee
        model: one_time
        fee: 5490.00
      - name: Starter Pack monthly support fee
        model: monthly
        fee: 840.00
costOptimizationTips:
  - Negotiate volume discounts for annual transaction volumes exceeding EUR 7 million
  - Use SEPA bank transfer (0.30% + EUR 0.40) instead of card (1.10% + EUR 0.25) where buyer acceptance allows, to reduce pay-in costs at higher transaction values
  - Minimize chargebacks through fraud screening and strong 3D Secure v2 enforcement to avoid EUR 35 per chargeback fees
  - Consolidate payouts to reduce per-transfer fees on European (EUR 0.50) and especially international (EUR 9.00) transfers
  - Use the modular offering (payout + KYC + account management only) if full pay-in infrastructure is not required, potentially reducing costs