Pricing
Choose the Payment Pricing Structure That Fits Your Business
Processing pricing is not one-size-fits-all. Rates and structures vary based on business type, transaction method, volume, risk and underwriting.
Option 1
Dual Pricing: Reduce the Impact of Card Processing Costs
Dual Pricing allows a properly configured merchant to present different pricing based on payment method, potentially offsetting a substantial portion of card-processing expense while customers see clearly disclosed payment choices at the point of sale.
- Designed to reduce merchant processing expense
- Clear pricing displayed to customers
- Available on compatible payment technology
- Useful for many card-present businesses
- Configuration based on program requirements
Option 2
Interchange Plus: Transparent Cost-Plus Pricing
With Interchange Plus, underlying interchange and applicable network costs are passed through and the processing provider adds an agreed markup. This structure makes it easier for established merchants to separate underlying card costs from processor pricing.
- Transparent pricing structure
- Easier statement comparison
- Appropriate for many established merchants
- Customizable based on transaction profile and volume
Option 3
Simple Pricing
Simplified rate structures may be available for qualifying businesses that prefer predictability.
- One straightforward structure
- Helpful for newer or lower-volume merchants
- Availability subject to underwriting
| Structure | Best suited for | What the merchant sees |
|---|---|---|
| Dual Pricing / Cash Discount | Businesses seeking to offset card-acceptance expense | Clearly disclosed card and cash prices |
| Interchange Plus | Established merchants wanting cost transparency | Interchange and network cost plus a defined markup |
| Simple / Flat | Qualifying merchants wanting simplicity | A simplified, predictable structure |
Not sure which makes sense? Upload a processing statement and we'll compare your current setup.
Programs must be configured in accordance with applicable laws, card-brand rules and processor requirements. Results vary by merchant.
See What Better Payment Processing Could Look Like for Your Business.
Send us a recent processing statement and we'll help evaluate your pricing, technology and payment setup.