Flat RateInterchange PlusDual Pricing
Pricing · Interchange plus

The real cost of the card.
Plus a markup you can see.

0.20%+ $0.10

our markup, over true card cost

Interchange passed through at cost. Nothing bundled.

Visa, Mastercard, and the banks set what each card costs. You pay that exact amount plus a small fixed markup, line by line on your statement. No bundling, no hiding.

Talk to us about Interchange PlusApply now
Different Card, Same Markup
•••• •••• •••• 2222DEBIT
Basic Debit
Low Cost
•••• •••• •••• 2222CREDIT
Standard Credit
Mid Cost
•••• •••• •••• 2222REWARDS
Premium Rewards
High Cost
Our Markup, On Every One0.20% + 10¢
Card costs above are relative, not quotes. Your actual interchange depends on your industry and the cards your customers carry.
Not locked into anything

100% customer focused. No terms required with any of our services.

You are never locked in. If we are not saving you money, you can walk, and we will still take your call.

No ContractsEver. Not a page, not a signature.
Month to MonthStay because it works, not because you have to.
No Termination FeesLeave any time. We will even help you switch.
No Cancellation FeesCancel with a phone call. That is it.
No Application FeesApplying costs you nothing.
No Terms RequiredEvery service, every pricing plan.
How it works

How every sale is priced

Customer pays

Debit, credit, rewards, or business card.

The network sets the card’s cost

A basic debit card is cheap. A travel rewards card is not. You pay the true cost of each.

Plus 0.20% + 10¢

Our markup never changes, and it’s printed on every statement.

Our promise

Already have a good rate? We will beat it.

Most statements read like a foreign language. Send yours over and we will show you, line by line, what you are really paying and what you would pay with us.

GuaranteedWe have not met a statement we could not beat.
No lock-inNo contracts, no leases. Month to month.
Real numbersYour before and after, side by side.
Email a statementHear back within a few hours
→
Call for an instant reviewA rep walks through it with you on the spot
→
MERCHANT STATEMENTReading Your Statement…Breaking Down Each Line…Your Savings
TodayWith UsSavings
Interchange$612.40$612.40same
Discount Rates$188.00$57.60−$130.40
Annual Fee$99.00$0.00−$99.00
Monthly Account Fee$24.95$0.00−$24.95
End Of Month Billing Fee$19.95$0.00−$19.95
You Pay Today$944.30
You Save Every Month$274.30
Example Statement. Your Numbers Will Be Your Own.
What happens to a $100 sale, by card type
Interchange changes with the card. Our markup never does.
•••• •••• •••• 2222PIN DEBIT
PIN Debit
Interchange 0.05% + $0.35$0.40
Our Markup 0.20% + 10¢$0.30
Cost On This $100 Sale$0.70
Effective Rate 0.70%
Customer Enters A PIN
•••• •••• •••• 2222DEBIT
Debit (Signature)
Interchange 0.90% + $0.15$1.05
Our Markup 0.20% + 10¢$0.30
Cost On This $100 Sale$1.35
Effective Rate 1.35%
Regulated Debit, No PIN
•••• •••• •••• 2222CREDIT
Standard Credit
Interchange 1.65% + $0.10$1.75
Our Markup 0.20% + 10¢$0.30
Cost On This $100 Sale$2.05
Effective Rate 2.05%
Most Common Card
•••• •••• •••• 2222REWARDS
Premium Rewards
Interchange 2.40% + $0.10$2.50
Our Markup 0.20% + 10¢$0.30
Cost On This $100 Sale$2.80
Effective Rate 2.80%
Points And Miles Cards
Interchange figures are typical examples, not quotes. They vary by card, network, and your business category. Our 0.20% + 10¢ markup is the one number that never changes.
Who it’s for

Merchants doing more than about $10K a month, businesses with lots of debit customers, and anyone who wants every cost line-itemed on the statement.

Who should look at another model

If you’re under $10K a month and want one simple number, or you need the exact same bill every month, Flat Rate is usually the easier fit.

Retail storesRestaurantsSupermarketsGas stationsMedical officesContractorsHotelsE-commerce
Retail storesRestaurantsSupermarketsGas stationsMedical officesContractorsHotelsE-commerce
Think interchange plus could save you money?
Send us your last statement. We’ll do a free line-by-line review and show you the difference.
Free rate reviewApply now