Payment Processing for Startups: What to Know Before You Launch

Don't Overthink It (But Don't Underthink It Either)

As a startup founder, payment processing isn't your product — but choosing the wrong provider can sink your margins. Here's the practical guide.

What to Look for in a Processor

1. No monthly fees: You shouldn't pay when you're not making money
2. Low per-transaction fees: Under 3% is standard, under 2% is great
3. Easy integration: Drop-in button or simple API — not a 6-week integration project
4. Subscription support: If you're SaaS, you need recurring billing from day one
5. Global: Don't limit your market to one country

Start Small, Build History

New merchant accounts get scrutinized. Tips for a smooth start:

• Process small transactions first ($5–$25)
• Don't spike volume suddenly
• Complete KYC verification immediately (don't wait)
• Keep chargebacks near zero

Common Mistakes

• Choosing based on brand alone: PayPal is famous but expensive. Compare options.
• Ignoring international customers: 40% of revenue could come from outside your country
• Not setting up webhooks: Manual order fulfillment doesn't scale
• Storing card data: Use a PCI-compliant processor. Never store card numbers.

Why NYVA Pay for Startups

• No monthly fees — only pay when you process
• 1.5% per transaction (no hidden costs)
• Drop-in embed button — add to your site in 2 minutes
• Subscription billing built in
• 195 countries, 135+ currencies

Launch your payments with NYVA Pay →