Pricing
Most credit card processing fees for small business hide a percentage markup you only feel later. Ours is one published price you can read before you sign: interchange at cost plus a flat 10 cents per transaction. The dime never drifts up, and as your volume grows it can come down. There is one other fee, a yearly PCI compliance charge, and it is listed below rather than buried in a statement.
About a minute. Nothing stored. If a dime would not beat your rate, we will tell you.
The math
What credit card processing fees for small business actually cost
Your credit card processing fees are two things: the interchange the card networks charge, and your processor's markup on top. We pass the first through at cost and hold the second to a flat dime, so low-cost credit card processing is just arithmetic here, not a teaser rate.
Interchange
At cost
What the card networks charge. We pass it straight through, no padding.
Our markup
$0.10 / txn
A flat dime per transaction. The same dime on a $4 sale and a $400 sale.
Percentage markup
0%
None. That is the whole point, and the reason we can print the price.
Every fee, in one place
Interchange at cost, a flat dime per transaction, and one yearly PCI compliance fee. That is the complete list. If a charge is not on this page, you will not see it on your statement.
- Interchange
- At cost, passed through
- Our markup
- $0.10 / txn
- PCI compliance fee
- Disclosed before you sign
Billed once a year, not per transaction. It covers PCI DSS validation and the compliance portal.
How we make money
The dime. It is the only thing we earn on a sale, and it is the only number that scales with your business. The PCI fee above covers the annual compliance work and is billed once a year, not skimmed off every transaction. We are not earning a hidden percentage on the side, which is exactly why we are comfortable putting all of it on a public page.
Know what you are comparing
The three ways a processor can price you
There are only three credit card processing pricing models, and two of them are built to be hard to read. That is the whole reason two quotes are so hard to compare.
Interchange-plus (ours)
You can see the markup
You see the card networks' interchange at cost, then a separate, published markup on top. Ours is a flat 10 cents per transaction. It is the only model where the markup is visible at all, which is exactly why most processors avoid it.
Flat-rate
The markup is baked in
One blended percentage on every sale, like 2.9% plus a fixed fee. Easy to read, and the simplicity is the product. The markup hides inside the percentage and grows with every dollar you process.
Tiered
The processor decides
Sales are sorted into qualified, mid-qualified, and non-qualified buckets at different rates, and the processor decides which bucket each card lands in. It is the least transparent model in the category, and the most common.
A real month, in numbers
What a dime looks like on a $25,000 month
No adjectives, just arithmetic. Here is a shop running $25,000 a month across 700 transactions on a typical 2.9% effective rate, next to the same month at interchange plus a dime. Your real numbers will differ, which is exactly what the analyzer is for.
- Monthly card volume
- $25,000
- Transactions
- 700
- What you pay now (2.9%)
- $725 / mo
- The card’s real cost (interchange)
- $502 / mo
- Your processor’s markup today
- $223 / mo
- Our markup (700 × $0.10)
- $70 / mo
About $1,800 a year, before the yearly PCI compliance fee. Illustrative example, not a quote.
Run the numbers
See roughly what the dime would save you.
Drag the sliders to match your business for a quick estimate. When you are ready for the exact figure, the analyzer reads it straight off your statement.
Estimate your savings
Drag to match your business. This is an estimate. Your statement holds the exact numbers.
889 transactions per month at this volume and ticket.
Estimated savings
$2,370
a year, versus interchange plus a dime
- You pay now
- $1,160/mo
- Interchange plus a dime
- $963/mo
- You keep
- $198/mo
Excludes our yearly PCI compliance fee, which is disclosed in writing before you sign. Interchange is estimated from your average ticket, so your real figure will differ.
No traps
What you will not pay
The category is built on fees you find out about later. We would rather lose the sale than add one quietly. Here is what is not on your statement with us.
- A percentage markup on your volume
- Long-term contracts or early termination fees
- Statement fees, batch fees, or monthly minimums
- A markup that creeps upward at renewal
- Any fee you did not see before you signed
The question everyone asks
So what is the catch?
There is not one, and we know how that sounds. The honest answer is that a dime per transaction is a real, sustainable margin at the volume we work with. We do not need a hidden percentage to make the math work, so we do not charge one. If a processor cannot tell you plainly how they earn, that is the catch, and it is usually theirs.
About a minute. Nothing stored. If a dime would not beat your rate, we will tell you.