Card fees take a slice of every sale. Take the edge back.
Most of what you pay to accept cards is pass-through cost no processor controls. The part a better deal changes is the markup, and it is usually buried. We read your statement line by line, show the all-in cost, and match you to the pricing structure that fits. Any savings is an estimate built from your own numbers.
Most of your processing cost is not the processor.
Interchange and network fees are set by the card networks and pass through at cost. The processor markup is the negotiable layer, and it is the part a proposal actually changes. We separate the two so you can see the markup on its own.
Interchange
The largest cost, paid to the card-issuing bank. Set by the card networks.
Assessments and network fees
Per-volume and per-item network charges. Set by the card networks.
Processor markup
The processor's margin over cost. The only part a proposal changes.
We curate the solution that fits your business.
Four compliant ways to handle the cost of card acceptance. Cost Plus is the transparent foundation. The other three recover some or all of that cost from the customer who chooses to pay by card. We match you to the one that fits your state, your ticket size, and how you want the counter to feel.
Cost Plus (Interchange-Plus)
The lowest true cost, stated in the open
Interchange and network fees pass through at cost. Our markup is a set number of basis points, stated separately and visible on every statement. No bundled tiers, no padded rates. This is the baseline every other structure is measured against.
Transparent baselineDual Pricing
A card price and a lower cash price, side by side
Show a card price and a lower cash price together. Because it is structured as a discount, it can apply to debit and is compliant in all 50 states. It recovers close to the full cost of acceptance and frames as a saving for cash customers.
Compliant in 50 statesSurcharge
Recover credit cost, where the state allows it
Add a compliant fee to credit card transactions only. It is registered with your acquirer, capped by the card networks, and never applied to debit. It can produce the strongest net margin for the right merchant, and it carries the most compliance to run correctly.
Capped by the card networksCash Discount
One posted price, a discount for cash
Post the card price, then discount it at the register for customers who pay cash. Minimal hardware and a straightforward setup. A natural fit when your quote or invoice already carries a cash price.
Works on debitSurcharge caps and network fees are set by the card networks (Visa, Mastercard, Discover, American Express). Recovery and savings figures are estimates tied to your statement and card mix, never guarantees. Card brand rules and state laws vary and change. We confirm the compliant setup with the sponsor bank before go-live.
Curated, not pushed. If a structure does not fit, we say so.
A short call and one recent statement is all we need to show your true cost and the structure that fits. Then we stand it up and stay in your corner.
See the full approach →Talk
A 20-minute call to understand your business, your tickets, and how you want the counter to feel.
Match
We audit your statement, isolate the markup, and recommend the structure that fits your state and mix, or a plain no.
Stand it up
We coordinate the setup with our partners, register anything required, and test before go-live.
Stay in your corner
One point of contact for a rate question, a chargeback, or the first clean statement.
An operator in your corner, not a vendor in your inbox.
Transparency
Interchange and network fees pass through at cost, and our markup is stated in the open, in basis points.
Honest numbers
Rates are sourced to the published card network schedules, and every savings figure is shown as an estimate.
Service
A named contact, a clean statement each month, and a real person when a rate or a chargeback question comes up.
Find the edge hiding in your payments.
Send one recent processing statement. We will show your true cost of acceptance and the structure that fits, framed as an estimate, with the compliant path laid out. No cost to ask, and a plain no if it does not fit.
Book an intro call →