Fee transparency

Every dollar,
accounted for.

Most platforms hide their cut inside one blended percentage. VKit shows the card costs, our published spread, and exactly what reaches your account.

The money promise.

The public explanation and your ledger use the same published configuration.

01

We keep one slice of processing

Interchange and network costs are set by the card networks and passed through at cost. The only processing money we keep is a fixed, published spread.

02

0% platform fee on Pro

Free carries a 5% platform fee so it can stay genuinely free. Move to Pro and the platform fee is exactly zero — you keep everything after processing.

03

The shown number is the charged number

This page and your ledger read from one published fee config. Change the config, both move together — the public math can never drift from your bill.

Live breakdown

Anatomy of a transaction

Move the amount and switch plans. The three processing components add up to 2.9% + $0.30, with no hidden markup beyond the spread named below.

$
Your plan
Interchange
Network & processor cost
Platform processing spread
Platform fee (0%)
You keep

Interchange

Set by the card networks and paid to the bank that issued your buyer's card. Nobody — not us, not the processor — keeps this.

→ Buyer's bank (via Visa / Mastercard / Amex)

$3.28

Network & processor cost

Network assessments plus the cost of the processor that actually moves the funds. Our wholesale cost, passed through at cost.

→ Card networks + acquiring processor

$1.10

Platform processing spread

The only slice of processing we keep. It is a fixed, published spread on top of our wholesale cost — never a surprise surcharge.

→ The platform

$1.69

Processing total2.90% + $0.30

$6.07

Platform fee (0%)

On Pro and Agency the platform fee is exactly zero. You keep everything after processing.

$0.00

You keep

$192.93

Total fees
$6.07
Effective rate
3.05%

Illustrative figures for a single card transaction, shown to explain the model. Real rates vary by card type, region, and risk, and are published from the same fee config that bills your ledger — so the number here always matches what you are actually charged.

Reference

Who receives each slice

  1. 01

    Interchange

    Set by the card networks and paid to the bank that issued your buyer's card. Nobody — not us, not the processor — keeps this.→ Buyer's bank (via Visa / Mastercard / Amex)

    1.6% + $0.10
  2. 02

    Network & processor cost

    Network assessments plus the cost of the processor that actually moves the funds. Our wholesale cost, passed through at cost.→ Card networks + acquiring processor

    0.5% + $0.10
  3. 03

    Platform processing spread

    The only slice of processing we keep. It is a fixed, published spread on top of our wholesale cost — never a surprise surcharge.→ The platform

    0.8% + $0.10

Trying to decide between Free and Pro at your volume? See plans & pricing for the full comparison and the “$1,000 stack” teardown.

Last updated July 2026