Pricing
Your rate depends on your business — so we quote it, not guess it
Ticket size, volume, card mix and industry all move the number. Every quote we give is backed by your own statement, in writing.
Most transparent
Interchange Plus
You see the true cost of every card, plus one fixed markup. Nothing hidden in tiers.
- Cost-plus markup disclosed in writing
- Monthly interchange qualification review
- No PCI padding or statement junk fees
- Next-day funding available
Lowest effective cost
Dual Pricing
Cash and card prices displayed side by side. Most merchants land at or near 0% effective cost.
- Compliant signage & receipt language
- Terminal or POS configured for you
- Staff training on customer questions
- Works for retail, restaurant and service
When others decline
Specialty & High Risk
Fuel, firearms, CBD and cannabis. Underwriting for verticals that need real relationships, plus chargeback coverage built in.
- Discounted fuel & petroleum interchange
- Firearms — FFL and non-FFL, not priced as high risk
- Realistic reserve & rolling terms disclosed up front
- Chargeback alerts, representment and Level 2/3 data
The Rate Lock Guarantee
Our clients have not seen a single rate increase in over five years
In this industry the quoted rate is usually an introductory rate. It holds for a quarter or two, then creeps — a few basis points here, a new monthly fee there, a "compliance" line item nobody explains. By year two you're paying more than the processor you left.
We don't run that play. The margin we quote is the margin you keep, for the life of the account. That's the Rate Lock, and it's why we're the home of the Rate Lock Guarantee.
What the lock does and doesn't cover
- Our markup does not move — no silent increases, ever
- No surprise monthly, annual or compliance fees added mid-term
- Card-brand interchange and assessments are published by Visa and Mastercard and apply industry-wide — those are the only costs that can change
- When the brands do adjust, you hear it from us first, in writing