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Payment processing
Most merchants are paying for a rate they were quoted years ago and a terminal they have already bought twice. Send us your last three monthly statements and we will show you the line items in plain language.
Interchange-plus pricing available, so you can see the wholesale cost and our margin as separate numbers instead of one blended rate.
Next-business-day deposits as standard, with same-day funding available on qualifying accounts and batch times.
Countertop, wireless, and mobile card readers placed at no cost on qualifying accounts, or at low cost outright if you would rather own the hardware.
Three models cover almost every statement we see. Knowing which one you are on explains most of what you are paying.
| Model | How it works | Who it suits |
|---|---|---|
| Interchange-plus | You pay the card network's published wholesale cost, plus a fixed markup that is stated separately on every statement. | Most established retail and restaurant accounts. The markup is visible, so it can be checked and negotiated. |
| Tiered | Transactions are sorted into qualified, mid-qualified, and non-qualified buckets, each with its own rate. The processor decides the sorting. | Rarely the cheaper option. This is where surprise downgrades on rewards cards usually hide. |
| Flat rate | One published rate on every transaction regardless of card type. | Very low volume or highly seasonal businesses. Simple, and usually expensive above roughly $15,000 a month. |
Which model you are on is printed on your statements, though not always in those words. If you cannot tell, send them over and we will identify it for you.
Most single-location accounts are live within a few business days.
All pages of your three most recent monthly statements. Three months shows your true card mix, seasonal swings, and every fee being charged — one month on its own can be unrepresentative and produce a quote that does not hold.
Within one to three business days we return your current effective rate, our proposed rate, and the difference in dollars. Nothing verbal, nothing to decode.
A short application and standard underwriting review. We tell you what documents are needed before you start, not halfway through.
Hardware swap and POS configuration scheduled to miss service. For restaurants that usually means between lunch and dinner.
We watch the first settlement with you and confirm the deposit landed as promised. Then you have a direct number for anything after.
Most single-location accounts are approved and installed within a few business days of a completed application. We schedule the hardware swap around your hours, not ours.
On qualifying accounts, placement is at no cost for as long as you process with us. If you would rather own your hardware outright, we will quote the purchase price directly. We tell you which applies before you sign anything.
Next business day is standard, based on your batch cutoff time. Same-day funding is available on qualifying accounts. Your funding schedule, including weekends and holidays, is stated in your agreement.
Often yes. Many popular retail and restaurant systems support multiple processors. Tell us what you are running and we will confirm compatibility before recommending a change.
Yes. Restaurant configurations include tip adjustment, tip pooling and payout reporting, check splitting by seat or item, and coursing.
You get a named contact for disputes, notification when one is filed, and help assembling the response documents. We will also review your receipt and refund practices, since most avoidable chargebacks start there.
Your three most recent processing statements, all pages. We return a written comparison — no site visit required.
Free statement review
Three months gives us your real card mix and seasonality, so the comparison is accurate rather than a guess. No cost, no site visit, no obligation to switch.
