Programs
Payment processing programs
There is no one-size-fits-all program. The right structure depends on your volume, ticket size, card mix, and customer expectations. Here's an honest look at each option.
Interchange Plus
Pay exactly what the networks charge, plus a small fixed markup.
Interchange plus passes through the actual Visa/Mastercard network cost and adds a small, disclosed markup on top. You see every component of your rate. For most businesses processing over $5,000/month, this is the most cost-effective option.
Best for: Retail, restaurants, medical, B2B
Dual Pricing
Post a cash price and a card price. Card customers cover the cost.
Dual pricing displays two prices at the point of sale — one for cash and one for cards. Customers who choose to pay by card cover the processing fee on their own transaction. Your net processing cost drops to near zero.
Best for: Restaurants, retail, service businesses
Cash Discount
Give customers a discount for paying cash. Cards stay the same.
Cash discounting allows merchants to offer a small discount to cash-paying customers rather than charging extra for cards. Structured correctly, it's fully legal in all 50 states and eliminates the vast majority of processing costs.
Best for: Gas stations, quick service, contractors
Compliant Surcharging
Add a surcharge to credit card transactions only — fully disclosed.
Surcharging adds a fee to credit card transactions (not debit) and is permitted by Visa and Mastercard when implemented with proper disclosure, registration, and receipt formatting. We handle the compliance setup so you stay within the rules.
Best for: B2B, professional services, high-ticket retail
High Risk Solutions
Accounts for businesses that traditional processors decline.
CBD, firearms, tobacco, adult content, firearms, subscription billing, and other high-risk verticals need specialized underwriting. We have direct relationships with acquiring banks that specialize in these categories — with transparent rates and no surprise reserves.
Best for: CBD, firearms, subscription, adult, travel
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