No teaser rates and no surprises. We explain how processing costs work, then quote from your real statement.
Pricing models
Every business is different. On your call, we compare these models against your actual statement.
You pay the card networks' actual cost (interchange) plus a small, fixed markup. Every fee is visible on your statement.
Best for: Established businesses with steady volume
A small service fee is built into posted prices and cash customers get a discount, which can offset most or all of your card costs.
Best for: Restaurants, retail, and service businesses
One percentage on every transaction, no matter the card. Easy to predict, though often more expensive at higher volume.
Best for: New or low-volume businesses
Reading your statement
Most of what you pay is set by the card networks. Only the markup really changes between providers, and that's what we focus on.
Savings estimator
Flat rate
2.38% + 4¢
per transaction
Available to select businesses that qualify. Everyone else gets extremely competitive pricing on interchange-plus or cash discount.Estimate assumes a ~$50 average sale.
Total fees ÷ total card sales on your statement. Not sure? 2.9–3.5% is common.
Your assumption. Your real number comes from a free statement review.
You pay in processing fees each year
$0
Estimates for illustration only. Actual savings depend on your card mix, industry, and statement. Cash discount results assume full program adoption and compliant setup. Flat rate pricing is available to qualifying businesses only.
Try a business type
You pay in processing fees each year
$0
Estimates for illustration only. Actual savings depend on your card mix, industry, and statement. Cash discount results assume full program adoption and compliant setup. Flat rate pricing is available to qualifying businesses only.
FAQ
Your total processing fees divided by your total card volume for the month. It is the single best number for comparing what you really pay, because it includes every fee on your statement.
What you pay depends on your industry, card mix, average ticket, and how you take payments. We quote from your actual statement so the number is real, not a teaser rate.
No. Connecticut, Massachusetts and Maine (and Puerto Rico) don't allow businesses to surcharge credit cards, and other states, such as Colorado and New York, add caps or disclosure rules. California's Honest Pricing Law generally requires mandatory fees to be included in the advertised price. Card brands cap surcharges (Visa at 3% or your cost, whichever is lower), and debit and prepaid cards can't be surcharged at all. A cash discount program is a separate option that can work in these states when it's properly disclosed. Rules change often, so we confirm what applies in your state before setting anything up.
Clear signage and receipts explain it, and most customers are used to seeing it. We help you set it up so it is transparent and simple at checkout.
Book a free 30-minute call. Bring a recent statement and we'll show you exactly what you're paying and how to pay less.
