specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Toss Payments
providerId: toss-payments
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Payment Gateway
- South Korea
- Fintech
- Plans
description: >-
  Toss Payments does not sell tiered API subscription plans; it is a payment
  gateway that earns per-transaction processing fees. There is no charge for API
  access itself - you pay a percentage (and/or fixed) fee on the value of each
  approved transaction, varying by payment method (card, easy-pay wallet,
  virtual account, bank transfer, mobile phone) and negotiated per merchant
  contract. Onboarding is via a merchant application; test credentials
  (test_sk_ / test_ck_ keys) are available immediately in the Developer Center
  for integration before a live contract. Card processing fees are publicly
  cited around 4.3% (including 10% VAT) for direct sign-up, but the effective
  rate depends on the card merchant agreement, industry/sales category, and
  merchant grade. Exact per-method rates are contract-specific and not fully
  public, so they are not reconciled here.
notes: >-
  The API keys themselves carry no fee; revenue is the per-transaction PG fee.
  Merchants that sign up through a hosting/PG reseller inherit that reseller's
  fee policy. Verify current method-by-method rates on the Toss Payments fee
  page and in your merchant contract during reconciliation.
sources:
- https://www.tosspayments.com
- https://www.tosspayments.com/about/fee
- https://docs.tosspayments.com/en/api-guide
plans:
- id: toss-payments-test
  name: Test / Sandbox
  type: free
  description: >-
    Free integration environment. Test secret and client keys are available in
    the Developer Center with no contract, letting developers build against the
    full Core API before going live. No real funds move.
  entries:
  - label: API Access
    name: test_api_access
    type: usage
    metric: requests
    limit: -1
    timeFrame: month
    geo: south-korea
    unit: 1
    price: free (test keys)
    userMultiplied: false
  elements:
  - name: Full Core API
  - name: Test Secret and Client Keys
  - name: Webhooks
- id: toss-payments-live
  name: Live (Per-Transaction PG Fees)
  type: usage
  description: >-
    Production payment processing under a merchant contract. There is no fee for
    API access; Toss Payments charges a per-transaction processing fee on the
    value of each approved payment, varying by payment method and merchant
    agreement. Card is publicly cited around 4.3% incl. VAT for direct sign-up.
  entries:
  - label: Card Payment Fee
    name: card_fee
    type: usage
    metric: transaction_value
    limit: -1
    timeFrame: month
    geo: south-korea
    unit: 1
    price: percentage per transaction (card ~4.3% incl. VAT, direct sign-up; contract-dependent)
    userMultiplied: false
  - label: Easy Pay / Wallet Fee
    name: easy_pay_fee
    type: usage
    metric: transaction_value
    limit: -1
    timeFrame: month
    geo: south-korea
    unit: 1
    price: percentage per transaction (Toss Pay / KakaoPay / Naver Pay; contract-dependent)
    userMultiplied: false
  - label: Virtual Account Fee
    name: virtual_account_fee
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: south-korea
    unit: 1
    price: per-transaction fee (typically fixed per deposit; contract-dependent)
    userMultiplied: false
  - label: Bank Transfer Fee
    name: transfer_fee
    type: usage
    metric: transaction_value
    limit: -1
    timeFrame: month
    geo: south-korea
    unit: 1
    price: percentage or fixed per transaction (contract-dependent)
    userMultiplied: false
  - label: Mobile Phone Fee
    name: mobile_phone_fee
    type: usage
    metric: transaction_value
    limit: -1
    timeFrame: month
    geo: south-korea
    unit: 1
    price: percentage per transaction (contract-dependent)
    userMultiplied: false
  elements:
  - name: Full Core API
  - name: Live Secret and Client Keys
  - name: Settlements and Payouts
  - name: Webhooks
- id: toss-payments-enterprise
  name: Enterprise / Marketplace
  type: enterprise
  description: >-
    Negotiated terms for high-volume merchants and marketplaces, including the
    v2 payouts product for paying sellers, manual settlement, key-in payments,
    and Brandpay. Contract-based pricing and additional agreements required.
  entries:
  - label: Negotiated Agreement
    name: enterprise
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: south-korea
    unit: 1
    price: contact sales
    userMultiplied: false
  elements:
  - name: Marketplace Payouts (v2)
  - name: Manual Settlement
  - name: Key-In Payments
  - name: Brandpay
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com