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We offer Interchange Plus / Cash Discounting / Convienence fee Surchargeing

 

​​No smoke, No mirrors, just full disclosure!   

No price increase EVER/ No contracts / No early termination fees / No Annual fees

No PCI fees / No statement fee / Free terminals with warranty 

Personalized customer support from a human.  

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Interchange Plus Pricing
Often considered the most honest and affordable pricing model in the industry, interchange plus pricing creates a very transparent relationship between a merchant and their processor. With this pricing model, the processor margin will be a set percentage for each transaction, while the interchange fee, which fluctuates depending on which type of transaction is being processed, will dictate the final cost of a given transaction. This means that whenever you process a transaction that is eligible for a lower interchange fee, you will save money compared to if the transaction was completed using a flat rate. While interchange plus pricing may seem more complicated to begin with because of the many different interchange rates out there, it can result in significant savings for your business.

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Cash Discounting Is Here to Stay! Eliminate Your Card Processing Cost Today!

There are new laws from Visa and Mastercard about cash discounting. To be legal you have to post a sign on your door or somewhere by the counter letting customers you are doing "Cash Discounting" and it must include the % charged if they are paying by card. If the customers pay cash they get the discount, if it goes through the payment system  they pay the %. I see businesses doing it the incorrect way every day and businesses can get fined heavily from Visa / MC. They have secret shoppers going into businesses to make sure you are following the guidelines of the vetted program. 1st offense is a $1000.00 fine and if it is not corrected within 30 days there is another $5000.00. This is why it is so important to have a representative that keeps up with the laws and make sure you are doing everything the legal way.

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Convience fee Surcharging

A convience fee is a flat fee charged for using a an alternative,non-standard payment channel (loke paying online or by phone when in-person is standard. It is a flat /fixed dollar amount  for every customer. Example a marina docking fee, property management companies that will have the same amount charged onliine monthly. You pick the surcharge price and it applies to every customer.

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Most companies hide the actual cost per card type and make their statements so confusing they are hard to understand. Don't feel bad I even shake my head at times and I'm in the industry. 37 years in Jan 2027. Cost is Cost and you should know exactly how that effects your business and as well as what you're paying over cost. Every company and processor gets the same cost and it IS published online. Our statements show cost on one line and the plus on the line underneath. The key is finding an honest provider that will not only provide transparent pricing but will also lock in the "plus". ​
 

One of the most important considerations when selecting a payment processor for your business is which pricing structure they offer, or simply, how they bill you for your processing. It’s important to understand what the different pricing structures are and how they will affect your monthly statement so you can select the billing arrangement that works best for your business. 

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I do what is right for you and your business.