Honest pricing starts with your statement.
We do not publish a single rate because a single rate would be wrong for most merchants. You get a written, itemized quote after review.
Request a no-obligation savings review
Why no headline rate
Your cost depends on card mix, average ticket, in-person versus online share, industry, volume and the pricing program you choose. A rate that looks great on a banner can be the wrong one for your business.
What every quote includes
Your current effective rate, the program or pricing model proposed, every recurring and one-time fee, equipment terms, contract length and termination terms, and the customer-facing changes required, all in writing.
What we will not do
We will not guarantee a specific savings number, hide fees in fine print, or enroll you in a program without your explicit approval.
How to get a quote
Request a review with just your name and email. Share a recent statement when you are ready, and we will return an itemized comparison.
Frequently asked questions
How do I calculate my effective processing rate?
Divide total processing charges for a period by card sales for the same period and multiply by 100. Include monthly account fees when comparing providers, and separate unrelated software or equipment costs consistently.
Why is my advertised rate lower than my effective rate?
An advertised rate may omit interchange differences, per-transaction charges, assessments and monthly fees. Your customer card mix and payment channels also affect total cost. Compare complete statements, not just a headline rate.
Can I lower fees without changing what customers pay?
Possibly. Traditional pricing, improved transaction data and a better fit between your payment setup and business may reduce costs. Ask for both a traditional quote and an eligible fee-offset option.
What costs should I consider before switching?
Review cancellation charges, hardware leases, software subscriptions, gateway fees, chargeback fees and staff training. Potential savings should be evaluated after these costs and any downtime risk.
Are the calculator's annual numbers guaranteed savings?
No. The calculator annualizes your estimated current processing expense. It is a planning illustration, not a prediction that all of that expense will disappear. A written proposal is needed for a realistic net-savings estimate.