STARTER
Pay-per-transaction
Per instant payment, all-inclusive. No card-scheme fees, no interchange. Commercial terms are set together with the partner bank.
Pricing
Pricing
No card-scheme fees. Commercial terms depend on the partner bank — tell us about your business and we come back with the terms.
GROWTH
Your volume
Terms depend on monthly volume and on the acceptance mix. Tell us about your business and we come back with the terms.
ENTERPRISE
Bank partnership
Dedicated commercial agreement for banks. Custom pricing, dedicated SLA, joint roadmap.
Comparison
Instant payments vs card processing
Six dimensions where instant payments outperform card rails for merchant economics and operations.
| miaPOS · Instant payments | Card processing | |
|---|---|---|
| Settlement speed | Seconds | T+1 to T+3 days |
| Fee model | Flat per-transaction | Percentage + interchange + scheme + acquirer |
| Availability | 24/7, 365 days a year | Business hours, batch processing |
| Hardware | Phone or POS camera | Card terminal required |
| Customer experience | Banking app + tap or scan | Card swipe / chip / PIN |
| Disputes | No chargebacks | Chargeback risk + fees |
Apps
Get the miaPOS app
Merchant POS on iOS and Android. Set up your store, accept payments, watch settlements land in seconds.
