Interchange-plus pricing starting at 0.15%. One model. Every merchant. Every card. No "qualified" vs "non-qualified" tricks. No mystery fees that appear in month three. Here's exactly how it breaks down.
Your exact rate depends on your card mix, average ticket, and volume. These are real ranges for real merchants. Runs on the conservative end of what we can do — your proposal will have the actual number.
Brick-and-mortar retail, tap-to-pay, chip-and-PIN. Lowest interchange tier because the card is physically present and fraud risk is low.
Full-service, quick-service, and bars. Tip adjustment supported. Same-day funding available for qualifying merchants.
Online, phone, mail order. Higher interchange because fraud risk is higher — our AI fraud scoring brings effective loss rates way down.
Legal, consulting, agencies, medical practices. Larger tickets, lower volumes. Virtual terminal and invoice links included.
Monthly or annual subscriptions. Account updater included to handle card expirations automatically. Retry logic for failed payments built in.
We work across most business types. Send a statement and we'll tell you exactly where you land — no vague "as low as" numbers.
We don't lease. Leasing is how "low-rate" processors claw back the savings they promised. All hardware is sold outright, shipped overnight on qualifying orders, and stays yours if you leave.
Bluetooth card reader pairs with your phone or tablet. Perfect for farmers markets, mobile service, field sales.
Standalone credit card terminal. WiFi + ethernet + optional 4G. Chip, tap, swipe. No POS required.
Full Android POS with receipt printer, camera, barcode scanner, item management. Best for retail and restaurants.
Browser-based. Type in card numbers, send invoice links, run recurring billing. Integrates with every major platform.
Most processor websites tell you what's included and hope you don't notice the long list of what isn't. Here's both — side by side.
Most processors still use "tiered" pricing — qualified, mid-qualified, non-qualified. The word "qualified" is where the money hides. Here's what the same transaction costs under each model.
ON A $100 SWIPE — $1.05 DIFFERENCE · ON $50,000/MO — $525 DIFFERENCE · OVER A YEAR — $6,300
0.15% is the floor — it's what we charge the highest-volume, card-present merchants. For lower-volume or card-not-present businesses, markup may run 0.25-0.45%. The "catch" is we're genuinely transparent: your proposal shows the exact markup for your business, and it never changes unless interchange rates change (which they do twice a year for all processors).
Chargebacks have a $15 pass-through fee per dispute — this is what the card network charges us, and we pass it through at cost. Refunds have no fee beyond the original interchange being reversed (most of which is returned by the networks). We don't profit on refunds or disputes.
We support Amex through OptBlue, which means Amex transactions are priced the same way as Visa/MC — interchange-plus. No separate merchant account, no separate deposit, no higher "Amex tier" like tiered processors have.
Yes — markup scales down with volume. A merchant processing $50k/mo pays a different markup than one processing $2M/mo. The 0.15% floor is for our largest merchants. Your proposal will have your specific number based on your volume.
No setup fee. No application fee. No onboarding fee. You pay for hardware (if you need any) and that's it. First transaction is usually processed within 72 hours of signing — and that's included too.
Visa and Mastercard adjust interchange twice a year (usually April and October). When rates go up, your cost goes up — when they go down, your cost goes down. Our markup stays exactly the same. Tiered processors often use interchange changes as an excuse to increase their markup; we don't.
Every business is different. Your card mix, average ticket, and volume all shape your exact rate. The fastest way to know is to send your last three processing statements — we'll reply within three business days with your specific proposal.