Five programs. One right one for your business.

Interchange plus passes through the actual Visa/Mastercard network cost and adds a small, fully disclosed markup on top. You see every component of your rate — no blending, no padding. For most businesses processing over $5,000/month, this is the most cost-effective structure available.

Dual pricing displays two prices at the point of sale — one for cash and one for cards. Customers who pay by card cover the processing fee on their own transaction. Your net cost drops to near zero, and the program is fully compliant with Visa, Mastercard, and Amex network rules.

Cash discounting allows you to offer a small discount to cash-paying customers rather than charging card users extra. Structured correctly, it is fully legal in all 50 states and compliant with network rules. For the right business type, it effectively eliminates processing cost.

Surcharging adds a fee to credit card transactions — not debit — and is permitted by Visa and Mastercard when implemented with proper registration, disclosure, and receipt formatting. We handle the full compliance setup, including network registration and signage, so you stay within the rules.

CBD, firearms, tobacco, adult content, 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, defined reserve terms, and no surprise account terminations.