Not all payment processing models are created equal. Each has unique advantages depending on your business type, transaction volume, and customer preferences. We'll help you choose the right solution to minimize costs and maximize efficiency.
Merchants display two prices — one for cash and one for credit/debit.
Virtually eliminates processing costs (saves 20–90%)
Fully compliant nationwide when implemented properly
Encourages cash payments and improves cash flow
Simple to explain to customers ("cash price vs. card price")
Transactions are grouped into rate categories (Qualified, Mid-Qualified, Non-Qualified).
Easy to present ("as low as 1.59%")
Familiar, widely used structure
Simple setup for many processors
Merchant pays the actual card-network cost plus a fixed processor markup.
Most transparent and fair pricing model
Easy to audit and compare providers
Often the lowest total cost for high-volume merchants
Encourages honest competition among processors
Single fixed rate for all transactions, regardless of card type.
Simple and predictable — one rate for everything
Easy to understand for small or new merchants
Consistent monthly budgeting with no surprises
Adds a small fee (usually up to 3%) to credit card transactions only.
Shifts most or all credit-card fees to the customer
Reduces or eliminates processing costs for the merchant
Legal in most states with proper disclosure
Keeps pricing fair between cash and credit customers