Recover your card processing costs.
Three ways to stop absorbing card fees. We quote every one from your real processing statement, not a rate sheet.
Surcharge
The compliant credit card fee. Debit is never surcharged.
Debit: 1.75% + $0.25, never surcharged
- Recovers about 60% of credit processing costs
- Card brand compliant
- Compliant signage designed and installed for you
- The lowest-friction option for your customers
Dual Price
A posted cash price and a card price. Applies to every card.
Applies to all cards, credit and debit
- 3.99% card price on every card
- Posts a cash price and a card price side by side
- Recovers about 95% of credit processing costs
- The highest recovery of any model
IC+
Interchange plus, quoted from your real statement.
No published rate. No template markup.
- Transparent, predictable pricing
- Priced after we review a real statement
- Automatic Level 2 and Level 3 interchange enrichment
- Best for B2B and government card volume
Recovery percentages describe how much of your credit processing cost each model returns. Debit, cash, and check never carry a surcharge. Surcharging is permitted in most states. A small number restrict or prohibit it, and we confirm your state's rules before setup.
A few questions. One recommendation.
Roughly how much of your card volume is credit?
Do you invoice other businesses or government agencies?
Which matters more to you?
One business, two models, side by side.
This is an example at a stated volume, not an average across merchants.
Surcharge
Most popularRecovers about 60% of credit processing costs. Debit is never surcharged.
Dual Price
More recovery, more frictionRecovers about 95% of credit processing costs. Every card carries the card price.
Figures shown are for a single business processing $65,000 per month at a $350 average ticket. Your recovery depends on your card mix and volume.
Every model includes the entire platform.
Not a tiered feature list. Whichever pricing model you choose, you get all of it.
Level 2 and Level 3 enrichment
Eligible transactions are filled with the tax, PO, and line-item data that qualifies them for lower interchange. No manual entry.
QuickBooks integration
Payments post to your books automatically. No exporting a batch report, no keying transactions in by hand.
Hosted payment page
Branded checkout for card-not-present sales. Send by email, text, or QR code, or embed it on your site.
Cloud POS
Turn any computer into a virtual terminal. Take phone and mail orders without a physical reader.
Recurring payments and card on file
Bi-weekly through quarterly billing on a securely stored card. Set it once.
Payment links by text and email
Send a secure link to any customer and watch payment status update in real time.
Next-day funding with a late cutoff
Batch as late as 9:00 PM Eastern and your money is in the bank the next morning. Weekend batches fund on the same schedule.
Tokenization and fraud monitoring
Card data is replaced with a token at entry, so it never lands in your systems. Automated fraud screening runs continuously.
Developer API
Run sales and refunds from your own software, build a custom checkout, or stream live transaction data into your systems. Public documentation.
No feature gates. No upsell tiers. The pricing model changes what you pay, not what you get.
Level 2 and Level 3 qualification depends on card type and the data present on each transaction.
The part most processors get wrong.
Surcharging is legal. Doing it incorrectly is what gets a business fined. We set it up so it holds.
The credit surcharge is capped
A surcharge can never exceed what card processing actually costs you. We set the rate against your real cost and keep it there.
Debit is never surcharged
Debit, cash, check, and gift cards carry no added fee. Ever. Customers always have a way to pay that costs them nothing extra. This is what keeps a surcharge program compliant.
"Cash discount" is not a synonym
Some processors add about 4% to credit and debit alike and call it a cash discount. Different program, different rules, and it risks card brand fines.
Then how is Dual Price 3.99% on every card?
Because it is a different program, not a bigger surcharge.
A fee added to credit transactions. Capped at your cost. Debit is exempt.
Two posted prices, cash and card. The card price is the listed price. Applies to every card.
Different rules, different signage, different receipts. We set up whichever one you choose correctly, and we will tell you plainly which one fits your business.
Compliant signage
Designed, printed, and installed at every required point.
Card brand registration
Filed and maintained for you.
Ongoing monitoring
We watch the program so it stays compliant as rules change.
compliance violations since we started.
Send us a statement.
We will tell you which model fits your business and what it costs. No obligation, and no quote until we have seen your real numbers.