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Credit Card Processing

Every swipe, transparent.

Interchange-plus pricing starting at 0.15%. No tiered games. No surprise junk fees. No lengthy contracts. Just the real cost of moving money from a customer’s card to your bank account — with every line item explainable.

0.15%
Starting markup
T+1
Default funding
24hr
Typical approval
$0
Termination fee
How we price

Interchange-plus, nothing more.

Every credit card transaction has three costs. Interchange (what the card networks charge), assessments (what the networks add on top), and the processor markup (the negotiable part). We show you all three, every month, on every statement. The only variable between processors is that last slice — and ours starts at 0.15%.

Same interchange cost as everyone else — set by Visa/MC/Amex, not negotiable with any processor
Same assessments — roughly 0.14%, also fixed by the card networks
Our markup starts at 0.15% — that’s the only number you’re actually comparing between processors
Nothing is hidden — every statement shows interchange, assessments, and our markup separately
The anatomy of a swipe
~1.65%
Interchange
~0.14%
Assessment
0.15%
Our cut
Goes to the card network. Non-negotiable. Every processor pays the same rate. Goes to networks for operating the rails. Fixed. Goes to us. Starts at 0.15%. This is the only variable.
Typical effective rate
~1.94%
What you won’t pay
Statement fees
Batch fees
Monthly minimums
PCI non-compliance fees
Gateway fees
Annual fees
Early termination fees
Surprise rate hikes
Hardware

Buy it once. Own it forever.

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.

Mobile reader

Bluetooth card reader pairs with your phone or tablet. Perfect for farmers markets, mobile service, field sales.

$49
one-time

Countertop terminal

Standalone credit card terminal. WiFi + ethernet + optional 4G. Chip, tap, swipe. No POS required.

$199
one-time

Handheld POS

Full Android POS with receipt printer, camera, barcode scanner, item management. Best for retail and restaurants.

$299 – $599
one-time

Virtual terminal + gateway

Browser-based. Type in card numbers, send invoice links, run recurring billing. Integrates with every major platform.

Free
included
What’s included

Everything you need, nothing you don’t.

Some processors dangle a low rate and then charge for every feature a modern business actually needs — gateway access, online reporting, customer support. We price the processing flat and include the rest.

Free virtual terminal & gateway — take payments online or over the phone at no extra cost
Real-time reporting dashboard — see every transaction, batch, and deposit as it happens
AI fraud scoring on every transaction — included, not an upsell
Next-day funding as default — same-day available for qualifying merchants at no extra fee
Named account manager — a real person, not a ticket queue. Replies in under 4 hours.
PCI compliance support — we handle the scope so you stay compliant without stress
Sample month — $50k volume retail merchant
VOLUME PROCESSED$50,000.00
INTERCHANGE$825.00
ASSESSMENTS$70.00
OUR MARKUP$75.00
STATEMENT FEE$0.00
BATCH FEES$0.00
JUNK FEES$0.00
TOTAL
$970.00
EFFECTIVE RATE
1.94%
Get a real number

Your rate, calculated exactly.

Send your last three months of processing statements. Within three business days we’ll return a one-page proposal with your exact new rate, your current vs. proposed monthly cost, and the dollar amount we’d save you. Free whether you switch or not.