Simple, transparent pricing
Two pricing models. No hidden fees. No long‑term contracts. Pick what fits, switch anytime.
Zero‑Fee
Cardholder pays the processing fee
Keep your full sale amount. A small service fee is added at checkout, you deposit 100%.
- ✓Near‑zero monthly processing costs
- ✓Predictable deposits with daily reporting
- ✓Compliant signage and POS setup included
Interchange‑Plus
You pay the true interchange rate + a disclosed markup
See exactly what each card type costs. No vague buckets, no hidden markup. Savings scale as you grow.
- ✓Every fee broken down line by line
- ✓No long‑term contracts or junk fees
- ✓Volume discounts pass directly to you
Not sure which is right for you?
Send us your latest statement. We'll show you a side‑by‑side comparison.
Run the numbers yourself
Free calculator estimates monthly and annual savings on Interchange‑Plus and Zero‑Fee. No signup.
No hidden fees. Ever.
Here's what we don't charge.
Setup fees
Annual fees
PCI compliance fees
Early termination fees
Statement fees
Batch fees
From the guide library
How to read your merchant statement
A line‑by‑line walkthrough to find your effective rate in five minutes.
Read the guide →
Credit card surcharge laws by state (2026)
The 3% cap, the states that restrict it, and what changed in 2026.
Read the guide →
Switching processors mid‑contract
Early termination fees, how to read your agreement, and when leaving still pays.
Read the guide →
What is dual pricing?
The two-price model, the Visa rule that keeps it from becoming a surcharge, and how debit cards are treated.
Read the guide →
What is a good credit card processing rate?
Benchmarks by business type, the 60-second effective-rate formula, and what counts as a good interchange-plus markup.
Read the guide →
Ready to see what you'll save?
Send us your latest processing statement. We'll show you a clear comparison.