# Understanding PayCargo pricing and plans
### Overview
PayCargo offers flexible [**pricing options** ](https://paycargo.com/pricing/)designed to support a wide range of payment needs—from guest payments to high-volume logistics operations. The right plan depends on how frequently you make payments, the payment methods you prefer, and the level of operational tools your business requires.
Customers can choose between [**PayCargo Quick Pay**](https://app.paycargo.com/shipAndPay) for occasional payments or a [**Payer Account** ](https://app.paycargo.com/registerPayer)for ongoing use with advanced features and lower per-transaction costs.
### How it Works
**Choose a payment option**
PayCargo provides the following options:
* **PayCargo Quick Pay (Guest Payments)**\
Designed for one-time or occasional payments without registration. Payments are made by credit card only and include per-transaction fees[\*](https://support.paycargo.com/pricing/paycargo-cost#transactional)
* **Payer Account (ACH, Credit Card, or Line of Credit)**\
A subscription-based account[\*](https://support.paycargo.com/pricing/paycargo-cost#subscription-details) for frequent payers. This option supports multiple payment methods, unlimited transactions, and access to operational tools, including batch payments and reporting.
### Key Benefits
:check: **Flexibility:** Choose between guest payments or a full account based on your usage needs
:check: **Multiple payment methods:** ACH, credit card, prepaid balance, or approved line of credit
:check: **Scalability:** Supports everything from single transactions to enterprise-level payment volumes
:check: **For frequent payers:** lower per-transaction cost compared to guest payments, and additional tools for managing payments efficiently.
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PayCargo users can view pricing per account type details by visiting [paycargo.com/pricing/](https://paycargo.com/pricing/)
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\*For PayCargo account holders, a standard transaction fee of $14.95 applies to each payment. Credit card transactions are subject to separate processing fees, which are approximately 3.8% for domestic payments and approximately 4.8% for Canadian credit card transactions. PayCargo Quick Pay guest payments do not require an annual fee; however, they include a per-transaction cost of $19.50, in addition to the applicable credit card processing fees.
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\*Registration is required to create a PayCargo account and access subscription-based features. During registration, the administrative user must accept the terms and confirm authorization to share bank details or prepaid funding information, consenting to the Annual Fee in effect.
Once the account is active, the annual fee of $295 applies per user profile and is collected via ACH in two installments. Email notifications are provided in advance of each withdrawal.
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### Related Questions
What if I process multiple transactions or have a high payment volume?
For high-volume operations, we recommend contacting the [**PayCargo Sales Team**](mailto:sales@paycargo.com) to discuss the options best suited to your business needs.
Where did I consent to a subscription fee?
The Payer account subscription fee is agreed to at the time of registration, when you accept the Terms and Conditions to share your banking information.
Where can I view my subscription fee invoice?
To access your **Annual User Fee invoice**, you can review the email sent to your registered address or retrieve it directly through the PayCargo platform by following these steps:
1. Log in to your PayCargo account
2. Navigate to the **Transactions** tab
3. Select **Clear** to remove any existing filters
4. Search for **PayCargo** as the Vendor
5. Select the relevant invoice from the results
6. In the transaction details, click **Print** to download the receipt
Why are there installments on the subscription fee?
In response to current market conditions and customer feedback, we are introducing the option to pay the Annual Fee in separate installments. This provides greater flexibility and helps avoid the burden of a single upfront payment. You can review both the regular account and our Guest Platform to determine which option best fits your business needs.
Why do I have to pay transaction fees if I already have an annual subscription fee?
Our transactional fees support the delivery of high-quality services, including ongoing updates and integrations that enhance efficiency and provide a seamless experience for our customers.
As part of our commitment to innovation, PayCargo account holders are subject to an annual user fee. This fee helps maintain an active account and supports the security of your sensitive information, while enabling us to expand our offerings—such as same-day release vendors, customized reporting, multiple user permission levels, various payment methods, 24/7 support, and refund assistance.
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