It depends on your volume, industry, risk profile, and setup. Rates are negotiable based on processing history and needs. For many new low-risk businesses that choose to absorb the fees, a common starting point is interchange plus 0.50% and $0.25 per transaction, with a monthly fee often ranging from $0 to $50 depending on software, service level, and equipment.

Yes, but only if it is done correctly. We offer compliant dual pricing, cash discounting, surcharging for credit only, and convenience fee models where appropriate. Visa and Mastercard have specific rules, and we follow them closely. No grey-area nonsense.

Most clients receive deposits the next business day. In some cases, same-day funding may also be available depending on the processor and batch timing.

It depends on your setup. Some businesses pay no monthly fees, while others need software integrations, mobile tools, gateways, or POS systems. We go over this upfront so nothing shows up later as a surprise.

No. They are different models. A surcharge adds a fee at checkout and can only apply to credit cards. Dual pricing shows both a cash and card price upfront. Both can be compliant when structured properly, and we help determine which is the better fit.

Usually, yes. Flat-rate pricing from providers like Square or Stripe may look simple, but it is often expensive, especially on debit cards and lower-cost transactions. With interchange-plus pricing or a compliant fee-offset setup, we can often save businesses 20% to 50% or reduce their costs dramatically.

That is often not a problem. We work with many gateways, CRMs, POS systems, invoicing platforms, and mobile devices. In a lot of cases, we can integrate with what you already use or help you transition smoothly if an upgrade makes more sense.

No. Most of our solutions are month-to-month with no cancellation fees. If we do not earn your business every month, we do not deserve it.