No Hidden Fees.
No Surprises.
We believe you should understand every dollar you pay to process payments. Here's how our pricing works — in plain English, not industry jargon.
Choose the Pricing Model
That Fits Your Business
We offer two transparent pricing approaches. Both eliminate hidden fees. The right choice depends on your business type, your customers, and your priorities.
Interchange-Plus
- You see exactly what Visa/Mastercard charges and what we charge — separately
- No bundled categories that hide rate increases
- No long-term contract required
- Best for businesses that want full transparency and process higher volumes
- We review your first statement with you to confirm everything matches
Dual Pricing / Cash Discount
- You effectively pay zero processing fees on card transactions
- Legal in Florida and fully compliant when set up correctly
- Terminal displays both prices automatically — no manual work
- Best for businesses with price-flexible customers (restaurants, service, retail)
- We handle full setup, signage, and compliance
What Is Interchange? (The Simple Version)
Every time a customer swipes, dips, or taps a credit card, the card network (Visa, Mastercard, etc.) charges a base fee called interchange. This fee goes to the customer's bank — not to us, not to your processor. It's a fixed cost that every business pays, no matter who their processor is.
The interchange rate depends on the type of card used. A basic debit card costs less than a premium rewards Amex card, because rewards cards cost the bank more to offer. You can't control which cards your customers use — but you can control how much markup sits on top of that base cost.
💡 A Simple Example
Customer pays $100 on a Visa rewards card. Interchange rate for that card type: 1.65% + $0.10.
With interchange-plus pricing, you'd also pay our small markup on top — let's say 0.25% + $0.10.
With a big processor using bundled/tiered pricing, they might charge you a flat "qualified rate" of 2.75% — but that $2.75 includes their markup hidden inside. You'd never know the interchange was only $1.75.
What Is Dual Pricing / Cash Discount?
Dual pricing is simple: you set a cash price (your base price) and a card price (base price + a small service fee that covers the processing cost). The customer chooses how they want to pay. If they pay cash, they pay the lower price. If they pay by card, the slightly higher price covers the processing fee so it costs you nothing.
This is 100% legal in Florida and across the U.S. We handle the terminal setup so both prices display automatically, and we provide any required signage to keep you fully compliant.
💡 A Simple Example
You sell a service for $100.
If the customer pays with a card, the $3.99 service fee covers your processing cost entirely. You receive $100 in your bank — not $96 or $97 like you would with traditional processing.
Result: You keep 100% of every sale. The customer sees both prices clearly and chooses.
Is this right for your business? It depends on your customers, your price sensitivity, and your industry. Restaurants, auto shops, and service businesses tend to do very well with dual pricing. We'll give you an honest recommendation based on your specific situation — request a free review and we'll walk through both options with you.
POS Pricing Depends on
Your Business — Not a Menu
There's no one-size-fits-all POS price. What you need (and what you'll pay) depends on the size of your operation, your workflow, and your industry. Here's a general guide.
Simple / Mobile
Standard / Counter
Full-Service / Multi-Station
The "Free Equipment" Trap
Many big processors offer "free" terminals or POS systems. Here's what they don't tell you: the equipment usually comes with a non-cancellable lease (sometimes 48 months), inflated processing rates to cover the hardware cost, and an early termination fee if you try to leave. That "free" terminal can end up costing you thousands more than just buying it outright.
Our approach: We tell you the actual cost of the equipment, offer no-contract options, and let you decide. If a free placement makes sense for your situation, we'll present it honestly — but you'll always know exactly what you're agreeing to.
Want to See Real Numbers?
Send Us Your Statement.
We'll show you exactly what you're paying today and what you'd pay with us. No guessing, no "it depends" — real numbers for your specific business.