Payment Gateway CRM Pricing for the MID You Already Have
Straightforward payment gateway CRM pricing with no hidden setup fees, no new merchant account, and no long migration. Pick a plan, connect the NMI, Authorize.Net, Stripe, or PayPal account you already use, and start processing.
What Midcove payment gateway CRM pricing actually covers
One flat monthly subscription for the software — your processing rates stay exactly where they are.
Most merchant software plans hide the real cost in migration: a new merchant account, re-underwriting, weeks of downtime. Midcove pricing works differently. You connect the merchant account you already have, so the number on this page is the number you pay — a predictable monthly or annual subscription for the CRM itself.
Every tier gives you the same core platform: a virtual terminal with AVS and CVV checks, a transaction dashboard for sales, voids, and refunds, and reporting you can export. Higher tiers add more boarded MIDs, full chargeback management, and advanced fraud controls. You can see everything the platform does on the payment gateway CRM features overview before you choose.
Because Midcove sits on top of your existing gateway, your per-transaction processing fees are set by your gateway or processor agreement — not by us. Browse the supported payment gateway integrations to confirm your setup connects, then pick the tier that matches your volume.
Included in every plan
- Works with your existing MID — no new merchant account, no re-underwriting.
- Virtual terminal with AVS and CVV verification on every card-not-present sale.
- Transaction management dashboard with search, sort, voids, and refunds.
- Encryption in transit and at rest, tokenized card data, role-based access.
- No setup fee on Starter or Growth — most merchants go live the same day.
Starter
For a single MID and a small team getting started.
Billed annually at $499/yr
- 1 boarded MID (NMI, Authorize.Net, Stripe, or PayPal)
- Virtual terminal & transaction management dashboard
- Basic fraud filters (IP & email blocking)
- Email support
Growth
For teams managing multiple MIDs and higher volume.
Billed annually at $1,499/yr
- Up to 5 boarded MIDs across gateways
- Full chargeback management & alerts
- Advanced fraud filters + automatic 24-hour lockout
- Full API & plugin access
- Priority email & chat support
Enterprise
For high-volume merchants with custom needs.
Custom pricing based on volume and MIDs
- Unlimited boarded MIDs
- Custom fraud rules & velocity limits
- Dedicated onboarding & named account manager
- SLA-backed support
Every feature, side by side
| Feature | Starter | Growth | Enterprise |
|---|---|---|---|
| Boarded MIDs | 1 | Up to 5 | Unlimited |
| Virtual terminal | Yes | Yes | Yes |
| Transaction management dashboard | Yes | Yes | Yes |
| Chargeback management | — | Yes | Yes |
| IP / email / phone blocking | IP + Email | Full | Full |
| Automatic 24-hour lockout | — | Yes | Yes |
| Plugin & API access | Plugin only | Full | Full |
| Custom fraud rules | — | — | Yes |
| Support | Priority | SLA-backed |
Match your merchant profile to the right tier
Payment CRM cost should track how many MIDs you run and how much risk you manage — here is the quick way to decide.
One MID, lean team — Starter
You process on a single NMI, Authorize.Net, Stripe, or PayPal account and mostly need a clean way to key in orders and manage refunds. Starter at $49/month covers the virtual terminal, the transaction dashboard, and basic IP and email blocking.
Explore the virtual terminalMultiple MIDs, rising volume — Growth
You route payments across up to five accounts and disputes are starting to cost real money. Growth at $149/month adds multi-gateway processing, full chargeback management with alerts, advanced fraud filters with 24-hour lockout, and full API access.
See every Growth featureHigh volume or portfolio — Enterprise
You board unlimited MIDs, need custom fraud rules and velocity limits, or manage merchants as an ISO. Enterprise is quoted on your volume and comes with dedicated onboarding, a named account manager, and SLA-backed support. ISO merchant management tools live here too.
Request an Enterprise quoteFrom plan to processing in three steps
Choose monthly billing to stay flexible, or annual billing to save 15% — either way, going live is fast.
Pick a plan and billing cycle
Start monthly and switch to annual whenever you like — Starter drops to an effective $41/month and Growth to $127/month when billed annually. Upgrades and downgrades apply at your next billing cycle.
Connect your existing gateway
Link the merchant account you already hold with NMI, Authorize.Net, Stripe, or PayPal. There is no re-underwriting and no new MID, so your processing agreement and rates are untouched.
Go live the same day
Run your first sale through the virtual terminal, invite your team with role-based access, and watch every transaction land in one dashboard. Most merchants are live the day they sign up.
Pricing Questions, Answered
Do I need a new merchant account to sign up?
No. Every Midcove plan works with a MID you already have from NMI, Authorize.Net, Stripe, or PayPal. You bring the merchant account; we bring the CRM.
How much does the Midcove payment gateway CRM cost?
Starter is $49/month for a single MID, Growth is $149/month for up to 5 MIDs with full chargeback and fraud tools, and Enterprise is custom-priced based on volume and number of boarded MIDs.
What is the difference between monthly and annual billing?
Annual billing saves 15%. Starter is $499/yr (an effective $41/month) and Growth is $1,499/yr (an effective $127/month), compared with $49 and $149 on monthly billing. The features are identical on both cycles.
Can I switch plans later?
Yes. You can upgrade or downgrade at any time from your account settings. Changes apply at the start of your next billing cycle.
What counts as a transaction?
Any sale, void, or refund processed through the Midcove virtual terminal, plugin, or API counts as one transaction.
Is there a setup fee?
No setup fee on Starter or Growth. Enterprise pricing is custom and quoted based on transaction volume and number of boarded MIDs.
Does Midcove pricing include card processing fees?
No. Your plan covers the CRM software only. Per-transaction processing rates are set by your existing gateway or merchant account agreement and do not change when you connect it to Midcove.
Which gateways can I connect on each plan?
All plans support NMI, Authorize.Net, Stripe, and PayPal. Starter boards one MID on any of the four; Growth boards up to 5 MIDs across gateways; Enterprise boards unlimited MIDs.
What's included in Enterprise?
Enterprise includes unlimited MIDs, dedicated onboarding support, custom fraud rules, and a named account manager. Contact us for a quote.
Can I see Midcove in action before choosing a plan?
Yes. Book a live demo and we will walk through the virtual terminal, dashboards, and fraud tools using a setup like yours, then help you pick the tier that fits your volume.
Ready to pick a plan?
Connect your MID today and start managing every transaction in one place.