Our only markup is a dime.
Credit card processing for small business, with the markup printed on the page. Most processors bury a markup in your rate and let it creep. We charge a flat 10 cents per transaction, zero percent markup, and pass interchange through at cost.
Send your last statement. We send back the markup you are paying right now, next to a dime. If you are already getting a better deal, we will tell you.
Takes about a minute to send. Nothing stored. No long-term contract, no hidden markup.
$80,000 / mo · 1,600 transactions
Your rate now
2.95%
Interchange + a dime
2.15%
Left of the line is interchange, the card cost no one avoids. The solid block to the right is the markup. That is the only thing that changes.
You would save about
$640 every month
Flat markup per transaction, the same dime on every sale
Percentage markup, none by design
Early termination fee, month to month from day one
Merchants served nationwide
Take payments any way you want. The markup never changes.
All services1st Bankcard Services is a credit card processing company for small businesses. However you take a card, the markup is the same flat dime. In person or online. Terminal or full point-of-sale system. Surcharge or dual pricing.
Interchange is the same wherever you go. The only thing that changes is the markup, and ours is a dime we print on the page.
Interchange is what the card networks charge on every sale. No processor sets it or avoids it. Everything on top is the processor's margin. Flat-rate apps bury that margin in a tidy percentage. Traditional ISOs pad it and let it creep at renewal. We do neither.
That margin is often hundreds of dollars a month you never agreed to. Ours is a dime, in writing.
Typical processor markup
0.30% and up
A percentage on every sale, and it scales as you grow. Often more.
1st Bankcard Services
$0.10 / txn
A flat dime, in writing. It never drifts up, and it can come down as you grow.
Why choose us
The same sale, three different deals.
Interchange is identical wherever you go. What changes is the markup and the fine print. Here is how a published dime stacks up against the two ways the rest of the category prices you.
1st Bankcard Services
Us
Flat-rate apps
Traditional ISOs
Markup
Flat 10¢ per transaction
A percentage of every sale
Padded interchange-plus
Percentage markup
0%
Built into the flat rate
Hidden inside the spread
Price published
Yes, on this page
Yes, but as a percentage
No, quote only
Rate over time
Never rises, can fall with volume
Scales up with your volume
Tends to creep at renewal
Contract
Month to month
Month to month
Often multi-year, with an ETF
Junk fees
None hidden
Few
PCI, statement, batch common
Will tell you to stay if you win
Yes
No
No
Rate protection
Your rate will drift. Ours cannot.
Most processors raise the markup a little at a time, in a statement you stopped reading. By the time you notice, the good rate you signed is a worse rate you kept. A published dime has nowhere to creep to. Here is the same merchant over two years.
The overpaying looks different in every shop
Find yoursFree tool
Not sure what you pay now? Your statement knows.
Send your last processing statement and a specialist isolates the markup hiding in your effective rate and sends it back. Nothing is stored. If your rate is already strong, we tell you to stay.
What it shows you
Five things that hold up after you sign
Published pricing
Interchange plus 10 cents, no basis points, printed on the website. Not "call for a quote."
No traps
Month to month, with no early termination fee and no rate creep. The one yearly PCI compliance fee is disclosed up front, never a surprise buried in a later statement.
Proven on your statement
Send your last statement. We show the markup you pay now next to a dime. If we cannot beat it, we tell you to stay.
Humans, not hustle
Real onboarding and real support. None of the commission-rep games the category is known for.
Rate protection
A good rate drifts higher everywhere else. Ours is published at a dime and never goes up, so it cannot creep. It can come down as your volume grows.
From the blog
All postsWhat merchants say
What merchants say on Google
A few of the reviews left by the people we work with. Verified on our Google Business Profile, quoted as written.
Nick Patel is fantastic. He goes above and beyond to provide exceptional service. Knowledgeable, professional, and cares about his clients. Highly recommend working with him.
R. Patel
Google review
An exceptional experience with 1st Bank Card Services. Zenna and her team have consistently provided top-notch support and guidance, making managing my credit card needs a breeze.
Jay Patel
Google review
The best service I have opted for. Very professional, the best quality in the market, and the support is fantastic. Thank you 1st Bank Card Services.
Vaibhav Joshi
Google review
I have been using 1st Bank since 2008. They have provided excellent service for over a decade, and their staff is very helpful and always ready to help.
Shiva P.
Google review
My agent got me to switch my card processing from Chase to their company. Really amazing customer service, perfect rates, and up to the commitment they promised.
Pankaj Kharbanda
Google review
A great experience. I have been with them for nine years and never had any issues, in terms of customer service or technical support.
Muneeb Hassan
Google review
Excellent customer service. Very detail oriented. Pleasant, polite, and very knowledgeable. Keep up the good work.
Suhail R. Ali
Google review
Their hard work and customer service is worth every penny. I switched my processing from another company because I get better service here.
Riyaz Mujahed
Google review
Customer service is good and technical support is good. I was politely helped with my technical issue. I recommend this company.
Hiten Shah
Google review
Stop guessing what you pay
See exactly what you're overpaying.
Send your last statement and get your real markup back, next to a flat dime. If your rate is already strong, we will tell you to stay. Either way, you finally stop guessing.
Upload a PDF or a photo. Your statement is processed in memory and never stored.