Choose the model that matches how you sell — interchange plus, flat rate, compliant surcharge, or cash discount. No long-term contracts and no hidden fees in any of them.
Cost-plus transparency
You pay the card network's actual interchange cost plus a fixed, disclosed markup on every transaction.
One simple percentage
A single blended rate for every card type, so your effective cost is predictable month to month.
Pass card costs to card payers
Add a compliant fee to credit card transactions only, keeping debit and cash at full price.
Reward cash customers
Post one price and offer a discount to customers who pay with cash or check at the register.
Included with every pricing model
Month to month with no cancellation penalties.
No PCI surprise charges, no statement padding, no junk fees.
Secure processing and compliance support at no extra cost.
It depends on your average ticket, card mix, and monthly volume. Interchange plus usually wins at higher volume, flat rate at lower volume, and surcharge or cash discount can bring your net cost close to zero.
Surcharging is permitted in most states with card brand rules that must be followed exactly. We handle registration, disclosure signage, and receipt language, and we will tell you if your state or card mix makes cash discount the better fit.
Yes. Because there is no long-term contract, you can move between models as your volume and customer base change.
Send us a recent statement and we will show you, line by line, what each of the four models would cost your business.
