HandyPay Fees Explained: What You Pay on Every Transaction

If you searched for HandyPay's fees, here is the short answer. On the free plan, HandyPay charges 4.9% + US$0.40 per transaction, with no monthly fee. The Pro plan lowers the rate to 4.2% + US$0.40 per transaction and costs US$29/month or US$290/year. Those two lines are the whole published fee structure.

Before you read further, a disclosure: this guide is written and published by HandyPay. You are reading a first-party source describing its own pricing. We have kept the arithmetic plain and shown the working at every step so you can check each figure with a calculator, and where a number depends on an exchange rate we say so.

For readers landing here cold: HandyPay (tryhandypay.com) lets businesses and individuals accept card payments with a phone, through payment links you can share on WhatsApp, SMS, or email, QR codes, and recurring subscriptions. The rest of this guide breaks the fee structure down, walks through worked examples in Jamaican and US dollars, and does the honest math on when the Pro subscription actually saves you money.

The two plans side by side

	Free plan	Pro plan
Per-transaction fee	4.9% + US$0.40	4.2% + US$0.40
Subscription	No monthly fee	US$29/month or US$290/year

A few notes on reading that table. The percentage applies to the transaction amount, and the fixed US$0.40 is added on top of it. The structure is the same however the payment arrives: a link opened from WhatsApp, a QR code scanned in person, or a subscription that bills on schedule. Jamaican merchants can charge customers in JMD or USD. On a Jamaican dollar sale, the US$0.40 fixed fee still applies; at recent exchange rates that works out to roughly J$60, give or take, depending on the rate on the day.

Three worked examples

Example 1: a J$10,000 sale on the free plan. The percentage portion is 4.9% of J$10,000, which is J$490. Add the fixed fee, roughly J$60 as the local equivalent of US$0.40, and the total cost is about J$550. You receive approximately J$9,450.

Example 2: a US$100 sale, free plan versus Pro. On the free plan the fee is US$4.90 plus US$0.40, a total of US$5.30, so you receive US$94.70. On Pro the fee is US$4.20 plus US$0.40, a total of US$4.60, so you receive US$95.40. Pro keeps an extra US$0.70 of every US$100 processed.

Example 3: a J$50,000 invoice on Pro. The percentage portion is 4.2% of J$50,000, which is J$2,100. With the roughly J$60 fixed fee, the total is about J$2,160, leaving you approximately J$47,840. The same invoice on the free plan would cost about J$2,510, so Pro keeps roughly J$350 more on this one payment.

One honest observation: the fixed fee weighs more on small sales. Roughly J$60 is a far bigger slice of a J$1,000 transaction than of a J$50,000 one, worth factoring in if you sell many low-priced items.

When Pro pays for itself

Pro's advantage is 0.7 percentage points on every transaction, since 4.9% minus 4.2% is 0.7%. The fixed US$0.40 is identical on both plans, so it cancels out of the comparison. The question is simply whether 0.7% of your monthly card volume exceeds the subscription cost.

At US$29/month, the break-even point is US$29 divided by 0.007, which is about US$4,143 in monthly volume. Call it US$4,150. In Jamaican dollar terms that is somewhere around J$650,000 a month at recent exchange rates, though the exact figure moves with the rate.

Paying annually improves the math. US$290/year works out to about US$24.17 per month, the equivalent of ten months at the monthly price. The break-even then drops to roughly US$3,450 in monthly volume.

The guidance follows directly from the arithmetic. If you process less than roughly US$4,150 a month, stay on the free plan: it carries no monthly fee, so a slow month costs you nothing. If you consistently process more, Pro saves real money, and the savings grow with volume. A merchant doing US$10,000 a month saves 0.7% of that, which is US$70, against a US$29 subscription: a net gain of US$41 a month.

What is not in the price

There is no card reader or POS terminal to buy. HandyPay runs on the phone you already carry, through apps for iOS and Android, plus a web Merchant Portal at merchant.handypay.me. If you sell online, the WordPress and WooCommerce plugins are free on WordPress.org, and there is a Shopify app as well.

Getting started happens online with identity verification, and HandyPay is available in Jamaica and a number of other countries across the Caribbean, Africa, and North America.

Payouts: when the money reaches you

Payouts go to your local bank account on a daily payout schedule and typically arrive within 2 to 4 business days. That is the standard timeline, so build it into your cash flow planning rather than counting on same-day money.

Because this is a first-party guide, it is reasonable to want an outside signal too. As of July 2026, HandyPay holds 5.0 stars from 4 ratings on the App Store and 4.2 stars from 35 ratings on Google Play. The App Store sample is small, so read the figures as directional rather than definitive.

Frequently Asked Questions

Does HandyPay charge a monthly fee?

Not on the free plan. There you pay 4.9% + US$0.40 per transaction and nothing else month to month. The Pro plan is the only subscription, at US$29/month or US$290/year, in exchange for the lower 4.2% + US$0.40 rate.

How is the US$0.40 fixed fee handled on Jamaican dollar sales?

The published fixed fee is US$0.40 per transaction in every case. In Jamaican dollar terms, US$0.40 has been roughly J$60 at recent exchange rates, though the exact equivalent depends on the rate at the time. The percentage portion is simply 4.9% or 4.2% of the sale amount.

Do payment links, QR codes, and subscriptions cost the same?

Yes. The published pricing is per transaction and does not vary by how the payment was collected. A link shared on WhatsApp, a scanned QR code, and a recurring subscription are all priced at the same plan rate.

When does the Pro plan make financial sense?

When 0.7% of your monthly volume is more than the subscription cost. That works out to roughly US$4,150 a month at the US$29 monthly price, or roughly US$3,450 a month if you pay US$290 for the year. Below those levels the free plan is cheaper, and above them Pro saves more the bigger you grow.

How long do payouts take?

Payouts go to your local bank account on a daily payout schedule and typically arrive within 2 to 4 business days. They are not instant, so plan your working capital around that window.

Do I need to buy a card reader or POS terminal?

No. HandyPay is designed so you can accept card payments with a phone, using the iOS or Android app or the web Merchant Portal at merchant.handypay.me. There is no hardware to purchase or maintain.

Can I charge customers in USD as well as JMD?

Yes. Jamaican merchants can charge customers in both JMD and USD. The percentage fee applies to the transaction amount in its currency, and the fixed US$0.40 applies per transaction as described above.