Flexible Payment Solutions Built for Your Business
We understand that one size doesn't fit all when it comes to payment processing. That's why we offer a variety of payment processing programs tailored to your business's unique needs. Whether you want to offer more transparency in fees or streamline your operations, we’ve got a solution for you. Here’s a breakdown of the different payment processing programs we provide:
1. Compliant Surcharge
The Compliant Surcharge program allows merchants to apply a surcharge to credit card transactions while staying fully compliant with industry regulations. This program helps you offset the processing fees typically charged by credit card companies, ensuring that you aren’t absorbing the full cost of credit card payments.
Key Benefits:
- Compliance with Laws: We ensure that your surcharge practices are aligned with both federal and state regulations.
- Transparency: Your customers will be fully aware of any surcharge at the point of payment.
- Lower Fees: The surcharge helps cover credit card transaction costs, reducing your out-of-pocket expenses.
This program is ideal for businesses who want to pass on credit card processing fees directly to customers, in a legally compliant way.
2. Dual Pricing
With the Dual Pricing program, you can offer two different prices: one for customers paying with credit or debit cards and another for those paying with cash. This pricing structure encourages cash payments by offering a discount, while still covering your card processing costs.
Key Benefits:
- Incentivizes Cash Payments: Customers who prefer to pay with cash will enjoy a lower price, helping you reduce credit card processing fees.
- Clear Pricing Structure: Both cash and card prices are clearly displayed, so there’s no confusion at the point of sale.
- Boost Your Profit Margins: By reducing your card processing fees, you can maximize your earnings.
With the Dual Pricing program, you can offer two different prices: one for customers paying with credit or debit cards and another for those paying with cash. This pricing structure encourages cash payments by offering a discount, while still covering your card processing costs.
3. Interchange Plus (Traditional Processing)
The Interchange Plus model is a transparent and traditional payment processing system. With this program, you pay the actual cost of the credit card transaction (the interchange fee) plus a fixed markup from the processor. This pricing model gives you a clear view of the costs and allows you to only pay for the services you use.
Key Benefits:
- Transparency: Know exactly what you’re paying for with no hidden fees.
- Lower Markups: Interchange Plus typically offers lower markups than other traditional processing options.
- Ideal for High-Volume Businesses: This plan is perfect for businesses with higher transaction volumes looking to reduce their overall processing costs.
This is one of the most straightforward and cost-effective methods for businesses that need a flexible and transparent pricing structure.
4. Flat Rate
The Flat Rate program is a simplified pricing model where you pay one fixed percentage per transaction, regardless of the card type or other factors. This program is designed for businesses that want simplicity and predictability when it comes to their payment processing fees.
Key Benefits:
- Simple and Predictable: A fixed percentage per transaction means you always know what to expect, with no surprises or complicated fee structures.
- No Hidden Fees: All-inclusive pricing with no additional charges for different card types or transaction sizes.
- Great for Small Businesses: Ideal for smaller businesses or those just starting out who need a straightforward solution with minimal complexity.
This option works best for businesses that want to focus on operations without the complexity of variable pricing models.
Which Payment Processing Program is Right for You?
Choosing the right payment processing program depends on your business’s size, transaction volume, and how you want to manage your processing costs. Whether you’re looking for simplicity, transparency, or ways to reduce fees, we’ve got a solution that fits your needs.
If you're unsure which program is best for you, our team is here to help! Contact us today to discuss your options and start optimizing your payment processing.
