Accept Cards With Lower Fees
Credit Card Processing for Small Business
Accept Visa, Mastercard, Amex, and Discover with transparent interchange-plus pricing. No hidden fees, no long-term contracts, and next-day funding.
Simple, Secure Credit Card Acceptance
When a customer pays with a credit or debit card, the transaction is authorized, processed, and settled—all in seconds. Here's what happens behind the scenes.
Customer Pays
Card is tapped, inserted, swiped, or entered online
Authorization
Card network verifies funds with the issuing bank
Approval
Transaction approved in ~2 seconds, receipt generated
Settlement
Funds deposited to your bank, typically next business day
Accept Credit Cards Everywhere
Transparent Credit Card Processing Fees
Interchange Fees
1.5-2.5%
Set by card networks. Same for everyone.
Our Markup
0.2%+
Transparent and negotiable.
Hidden Fees
$0
No PCI fees, batch fees, or junk fees.
Want to see exactly how much you'd save? Use our savings calculator or request a free rate comparison.
Credit Card Processing Questions
How much does credit card processing cost?
Processing fees typically range from 1.5% to 3.5% per transaction. With interchange-plus pricing, you pay wholesale interchange rates plus a small transparent markup. Most businesses save 20-30% compared to flat-rate processors like Square.
What's the difference between interchange-plus and flat-rate pricing?
Interchange-plus shows you the actual wholesale cost (interchange) plus the processor's markup separately. Flat-rate bundles everything into one rate (e.g., 2.6%). Interchange-plus is almost always cheaper for businesses processing over $10,000/month.
Can I accept credit cards without a merchant account?
Technically yes—services like Square and PayPal let you process under their merchant account. But you have less control, higher effective rates, and risk sudden account termination. A dedicated merchant account gives you stability and better pricing.
How quickly will I receive my money?
Most transactions are funded to your bank account by the next business day. Same-day funding is available for qualifying merchants.
Do I need special equipment to accept credit cards?
You need some form of card acceptance device—a POS terminal, card reader, or payment gateway for online sales. We often provide equipment free with your merchant account.
What is PCI compliance?
PCI DSS (Payment Card Industry Data Security Standard) is a set of security requirements for businesses that handle credit card data. All merchants must be PCI compliant. We include PCI compliance support with every account.
Get Lower Credit Card Processing Rates
Free rate comparison using your current statements. See exactly how much you can save.