How pricing works
Pricing based on your business model, transaction types, and services required—not generic rate sheets.
What affects your pricing
Your pricing reflects the work required to support your payment needs. Here are the key factors:
What you're processing
Domestic card processing has different costs than international processing & local payment methods. UnionPay, Alipay, and WeChat Pay require different networks and settlement. Multi-currency transactions add conversion and compliance work.
How much you process
Monthly volume and average ticket size affect interchange costs and underwriting requirements. Processing $100K in $50 transactions has different economics than $100K in $10K transactions.
What services you need
Basic processing is straightforward. Adding service fee program setup, multi-entity reporting, or specialized compliance support increases scope and cost.
Your business model
Some industries require additional compliance work, monitoring, or specialized underwriting. Multi-entity structures need consolidated reporting. High-ticket B2B requires different authorization rules.
How pricing is structured
Interchange-plus pricing
You pay the actual interchange cost (what card networks charge) plus a fixed markup. Transparent—you see exactly what goes to Visa/Mastercard vs. what you pay us.
Monthly account & fixed fees
Monthly fees vary based on services required. Multi-entity reporting, consolidated structures, or specialized compliance monitoring may increase monthly fees based on complexity.
Setup and implementation
Standard merchant account setup is typically included. Multi-entity configurations and specialized technical integrations are quoted based on scope.
What's included
Standard services provided with your merchant account at no additional charge:
Direct merchant account setup
Your own account with acquiring bank
Authorization and settlement
Transaction processing and fund transfers
Chargeback management support
Representment assistance and dispute handling
Monthly reporting and statements
Transaction reports and account summaries
Email and phone support
Direct access to payment specialists
PCI compliance tools
Security questionnaires and documentation
Ongoing account management
Proactive monitoring and issue resolution
No surprise account holds
Properly underwritten accounts from day one
Typical pricing examples
Ballpark ranges for common scenarios. Your exact pricing depends on your specific requirements.
Standard domestic processing
2.5% + $0.25
Per transaction (average interchange-plus all in rate)
Plus: $25-50/month account fees
Includes: Direct merchant account, reporting, support, PCI tools
Service fee program
Same rates
+ program setup
Setup fee: Varies based on requirements
Includes: Compliance review, documentation templates, staff training, signage
China payments
Custom rates
Based on volume & methods
Typically: 3.0-3.5% for UnionPay/Alipay/WeChat Pay
Includes: Multi-currency settlement, CNY conversion, technical integration
Complex business models: Multi-entity structures, high-ticket B2B, specialty verticals, and businesses requiring specialized compliance work receive custom quotes based on transaction types, volume, and services needed. Timeline to receive quote: 2-3 business days.
No contracts, no early termination fees
We work month-to-month. You stay because the processing works and the pricing is fair—not because you're locked in. Cancel anytime with 30 days notice.
No hidden fees: No PCI non-compliance fees, no statement fees, no batch fees, no maintenance fees.
How to get your quote
Tell us about your business
Share your transaction types, volume, business model, and what services you need. The more context, the more accurate your quote.
We evaluate and propose
We review your needs, match you with the right acquiring partner, and provide detailed pricing. Timeline: 2-3 business days for most scenarios.
Review and decide
We walk through the pricing, answer questions, and explain exactly what you're paying for. No pressure, no contracts.
Ready to see what you'd save?
Tell us about your business and we'll provide detailed pricing within 2-3 business days. No obligation, no pressure.