Simple, Transparent Pricing — Designed to Save You Money

Best for:

Businesses that want predictable monthly costs and minimal processing overhead.

How it Works:

We work with each merchant to design a small percentage price adjustment—based on their business model—that offsets credit card processing costs. These adjusted prices become the listed prices. You have the flexibility to offer customers who pay with cash a discount at checkout, removing the processing cost. This structure replaces variable processing fees with a predictable, low monthly subscription.

What You Get:

• Unlimited credit/debit transactions
  
  
• Flat monthly subscription
  
  
• Automatically offsets credit card fees up to 100%
  
  
• Works with most POS systems
  
  
• No hidden fees

Example Monthly Benefits:

• Predictable statement each month
  
  
• Potential for major savings compared to traditional processing

Core Per‑Occurrence Fees:

Best for:

How it Works:

Benefits:

• Customers always see clear pricing options
  
  
• Can significantly reduce your overall processing expenses
  
  
• Works with most POS setups

Example Per‑Occurrence Fees:

Best for:

Businesses comfortable with passing credit card fees to customers who pay that way.

How it Works:

When a customer pays by credit card, they pay a small, disclosed fee to cover processing. Cash and debit customers pay no surcharge. You keep 100% of your sale amount from credit customers, while your debit costs are charged at competitive rates.

How Costs Break Down:

Per‑Occurrence Fees:

Best for:

Businesses that prefer standard pricing with clear pass‑through costs to their business.

How it Works:

With Interchange‑Plus pricing, you pay the actual costs charged by card brands and issuing banks — plus a clear, flat margin. This is one of the most transparent ways to pay for processing.  This does not involve a price increase or surcharge to your customers.

What You Get:

• Interchange passed at cost
  
  
• A fixed margin clearly explained
  
  
• No long‑term contracts

Typical Example:

• Interchange costs passed through
  
  
• E320 Margin: ~0.35% + $0.10 per transaction

Per‑Occurrence & Monthly Fees:

Best for:

E‑commerce, online stores, or in‑office payment acceptance without a terminal.

How it Works:

Process payments through a secure virtual terminal or online gateway. Easily send invoices, set up recurring billing, or accept payments via web or dashboard.

What You Get:

• Virtual terminal access via web browser
  
  
• Payment links for email or text
  
  
• Recurring billing and scheduled payments
  
  
• Reporting and export to QuickBooks or accounting platforms

General Example Pricing:

• Interchange‑Plus Margin: ~0.55% + $0.15
  
  
• AVS Keyed Sales: $0.05
  
  
• Chargeback: $25
  
  
• Retrieval: $25
  
  
• Voice Authorization: $2
  
  
• Closure: $50/location
  
  
• ACH Reject: $30