Pay less or it's free.

The instrument sets a baseline against the merchant's prior statements, compares the same statement periods after boarding under Payzium, and reconciles the difference under a written mechanic. The full baseline and comparison mechanic is Section 4 of the US Savings Guarantee. Section 6 lists the eligibility exclusions.

How the guarantee works.

• Eligibility: the merchant must submit representative prior statements at boarding and elect the guarantee on the pricing schedule.
• Baseline: prior 90 days of eligible processing cost, computed from the submitted statements.
• Comparison window: the first three full statement periods after boarding under Payzium.
• Remedy: if the guarantee period ends with eligible processing cost above the baseline, Payzium refunds or waives the Payzium fees covered by the guarantee.