Is there a minimum charge amount required when paying with debit or credit card?

Purpose

To list the minimum payment for each of our supported payment gateways.

Introducing terms and concepts used in this article

Term	Definition
Deferred payment	is a credit / debit card transaction where an amount due has been authorised for payment with a credit or debit card, but the payment has yet to be charged.
Invoice payment	is a debit / credit payment which has been made against the outstanding amount that your customer owes you.
Order payment	is a payment for an order placed in one of our products.
Payment gateway	a service that allows you to accept and authorize credit or debit cards securely.

More information

We support many payment gateways which operate in all regions around the world. In some cases, the payment gateway supplier implements a minimum charge amount. The minimum charge amount is the minimum amount on any order that your customer submits. The following table outlines which payment gateways we support, the regions in which they operate and whether they apply a minimum charge amount.

While we provide this information, it contains information that we have discovered from the different payment gateway providers, it is not exhaustive.

We recommend that you do due diligence and find a payment gateway provider that meets your business requirements.

Payment gateway	Region	Minimum order value	Extra notes	Configurable through App Store
AIB / Authipay	Ireland	No minimum charge amount. External website: Can I set a minimum transaction value?	Supports order payments.	Yes
Fiserv	Global		Payment Sense, Clover Connect and First Data Connect are all part of fiserv. Supports order payments.	Payment Sense configurable
HandePay	United Kingdom		We support Handepay payment gateway, which was acquired by PayPoint in November 2020. Supports order payments.	Yes
Lloyds Bank / Card Net	United Kingdom		Supports order payments.	Yes
MIPS	Mauritius, Indian Ocean and Africa		Supports order payments.	Yes
Payment Express / WindCave	New Zealand and Australia		Supports order payments.	No
PayPal	Global	No minimum charge amount.	PayPal have a feature where their customers do not require a PayPal account to purchase products. Click here for more information about how this feature works. This feature is only available to PayPal Premier and Business account holders.	Yes
PayWay	New Zealand and Australia	Can be customized.	Supports order payments.	Yes
Global Payments / Realex	Global		Supports deferred payments. Supports invoice payments.	Yes
Opayo (formerly SagePay)	United Kingdom		Supports deferred payment. Supports invoice payments.	No
Stripe	Global	External website: Minimum and maximum charge amounts	Supports order payments.	Yes
WorldNet	USA		Supports order payments.	No
WorldPay	Global		Supports order payments.	No
PayTrail	Finland		Supports order payments.	No
Datafast	Ecuador		Supports order payments.	No
PayGate	South Africa		Supports order payments.	No
eComm	Ireland		Supports order payments. Supports invoice payments.	No
Shuttle	Global		Integrate once, and connect with more than 20 payment gateways quickly and efficiently.	Yes
UTP	Global		Supports order payments. Supports invoice payments.	Yes
humm	Global		Integrate once, and “Buy Now, Pay Later” with connected partners.	No

Read our feature guide on how we integrate payment gateways and find a full list of the payment gateways that we support.

Key points

Some of the payment gateways we support charge a minimum amount.
An error may occur if your customer's order does not reach this minimum amount and attempts to pay the order via the payment gateway.
We would recommend that you inform your customers of the minimum charge amount, which varies depending on the payment gateway you use.