External Card Linking Pricing

Modified on Mon, Mar 16 at 5:14 PM

Ottimate allows you to link existing corporate cards issued by other providers so you can manage all company expenses in one place.

When external cards are connected, transactions automatically sync into Ottimate for receipt collection, expense categorization, approvals, and reporting.

Pricing Overview

External card transactions are billed at:

0.5% of monthly external card spend

To keep pricing predictable, the fee is capped at $200 for every $50,000 in monthly external card spend.

Monthly External Card Spend	Maximum Monthly Fee
Up to $50,000	$200
$50,001 – $100,000	$400
$100,001 – $150,000	$600
$150,001 – $200,000	$800

The cap increases by $200 for every additional $50,000 in spend.

How the Pricing Works

The processing fee applies only to transactions made using externally issued cards connected to Ottimate.

Transactions made using Ottimate-issued cards are not subject to this fee.

The fee is calculated as 0.5% of total monthly external card spend, but it will never exceed the cap for your volume tier.

Example Scenarios

Example 1

Monthly external card spend: $25,000

0.5% fee = $125

Since this is below the $200 cap, the monthly fee is:

$125

Example 2

Monthly external card spend: $80,000

Fee calculation:

First $50,000 → capped at $200
Remaining $30,000 → 0.5% = $150

Total monthly fee:

$350

This is below the $400 cap for the $50K–$100K tier.

Example 3

Monthly external card spend: $120,000

Fee calculation:

First $50,000 → $200
Next $50,000 → $200
Remaining $20,000 → 0.5% = $100

Total monthly fee:

$500

This is below the $600 cap for the $100K–$150K tier.