Everything Merchants Ask Us
Pricing, approval, equipment, high-risk, and what a switch actually involves. If your question isn't here, call and ask — you'll get the same answer on the phone.
What's the difference between Interchange+ and flat-rate?
Interchange+ passes through the card networks' actual interchange cost and adds one fixed, disclosed margin on top. You see exactly what the network charged and exactly what we charged. When your card mix improves, your cost drops with it.
Flat-rate charges one blended percentage on every transaction regardless of the underlying cost. It's simple to read, but the processor keeps the difference on every low-cost card you run, which is most of them.
Transparent pricing, simple terms. For most merchants above our volume floor, Interchange+ costs less; we'll show you the comparison on your own statements before you decide.
Why do you need my ID and business documents?
As a financial institution, we are required to comply with laws and regulations. One of these mandates is to verify the identity of the person(s) looking to open a merchant account.
In practice that means a government ID, your business formation documents, and a bank account for settlement. It's the same check every legitimate processor runs.
How long does approval take?
Approval takes about three business days. Equipment follows once you're approved. Terminals arrive already programmed for your account, so you can take payments the day they land.
Is there a minimum volume?
Yes. We work with merchants processing $15,000 a month or more. Below that, the savings usually don't justify a switch, and we'll tell you so rather than sign you up.
What is cash discount, and how is it different from surcharge?
Cash discount lets you pass essentially all processing cost through to the transaction while offering a lower posted price for cash. It produces the highest margin of the three programs and is our most popular.
Surcharge adds a flat 4% to card-paying customers only. Cash and debit are unaffected.
Traditional keeps you absorbing the cost on Interchange+ or flat-rate pricing. Hybrid is usually the best fit when credit cards specifically are the bulk of your volume.
How do I find my MCC?
Your merchant category code determines your interchange rates. You can look yours up with an MCC code lookup, or tell us what you sell and we'll identify it during the statement review.
Can I keep my current POS?
Usually, yes. We provision, program, and support Clover, PAX, Dejavoo, Valor, Ingenico, Square, OctoPOS, Korona, Authorize.net, Shift4, and a long tail of others. Tell us what's on your counter and we'll confirm before you commit.
Do you work with high-risk businesses?
Yes. We underwrite properly up front rather than approving fast and freezing later, which is why our high-risk accounts stay open. Industries other processors decline are worth a conversation.
What will this actually cost me?
We don't quote from a brochure range. Send your last three statements, we'll calculate your true effective rate, and show you a side-by-side against what you'd pay with us. If we can't beat it, we'll say so.
Ask Us Directly
Fifteen minutes on the phone. No obligation, and nobody hounds you afterward.