Pricing programs, explained plainly
Three ways to price card payments. We explain how each one works and who it tends to suit, then show your actual rates inside your application, on the processor's agreement, before you sign anything.
Three ways to price.
One statement you can read.
Every program runs on the same processing and the same portal. Pick the one that fits how your customers pay; we explain the tradeoffs before you choose.
Dual pricing
Post a cash price and a card price. Card customers pay the card price, cash customers pay less.
- Both prices show on your menu, shelf tags and receipts, so nothing is a surprise at the register.
- Your terminal or POS works out the card price for you at checkout.
- Card brand and state rules apply to how prices are shown. We go through them with you before you switch it on.
Good fit: Restaurants, service counters and shops that want to offset the cost of taking cards.
Flat rate
One predictable rate on every card sale, whether it is a debit card or a premium rewards card.
- The same rate applies to every card type, so your statement is simple to read.
- No need to track which cards your customers carry.
- Easy to compare month over month as your sales grow.
Good fit: Newer businesses and owners who want a monthly cost that is easy to plan for.
Interchange plus
You pay the card networks' actual interchange cost, plus a fixed markup, listed separately.
- Interchange is set by the card networks and passed through at cost.
- Our markup is fixed and shown as its own line, so you always know what goes to whom.
- Often a good fit as monthly card volume grows.
Good fit: Established businesses with steady card volume that want to see every cost on its own line.
We do not publish rates. Yours depend on your business and appear in your application, on the processor's agreement, before you sign.
What you will see on your statement
Whichever program you choose, the goal is the same: a statement you can read without calling anyone.
Processing costs
What it cost to accept cards that month, grouped the way your program works: one rate, a card price, or interchange plus our markup.
Service and equipment
Any monthly service or equipment charges you agreed to in your application, each on its own line.
Deposits
What landed in your bank account and which batch it came from. Your merchant portal shows the same deposits as they happen.
How your rates are set
Rates depend on what you sell, how customers pay (in person, online or keyed in), your average sale and your monthly card volume. That is why we do not publish a rate card: a number that fits a coffee shop would be wrong for a furniture store.
When you apply, your pricing appears in the processor's pricing section of your application. Nothing is in effect until you sign and the processor and its sponsor bank approve your account.
See your pricing in your application
Start the online application now, or talk it through with our team first. Either way, you will know what happens next at every step.