Cost Plus Model Pricing

Pricing flexibility and no locked-in contracts

Cost Plus Model

Cost-plus pricing is one of the most fair and balanced pricing options used in the payment processing industry, largely due to how transparent it is. Cost Plus is a pricing model in which we clearly disclose the exact margin (profit) we will make for each credit card transaction we process. Complete transparency will help ensure the lowest rates for your processing.

We aim to offer the lowest payment processing fees in the industry. We pass through bank rates at cost and are transparent with our markup.

Credit Card Volume per Month

In-Person Payments

Online or Keyed Payments

$0 to $25,000 per month

0.28% plus $0.08

0.48% plus $0.23

$25,001 to $50,000 per month

0.23% plus $0.06

0.43% plus $0.18

50,001 to $100,000 per month

0.18% plus $0.06

0.38% plus $0.17

$100,001 to $250,000 per month

0.17% plus $0.05

0.33% plus $0.14

$250,001 to $1,000,000 per month

0.14% plus $0.05

0.28% plus $0.12

$1,000,001 to $5,000,000 per month

0.10% plus $0.04

0.22% plus $0.08

$5,000,001 or more per month

0.08% plus $0.03

0.18% plus $0.06

Other fees

Cost Plus Pricing FAQ

Let us help you make an informed decision. We’ve put together a list of our most commonly asked questions about Cost Plus pricing.

What is interchange (Cost) + pricing?

Interchange plus (aka “cost plus”) pricing is a straightforward way to price. If you have cost plus pricing, it is more transparent because it is much more difficult to have hidden fees. In cost plus pricing, processors take all the bank fees, card brand fees etc, pass them straight through to the merchant, then add a markup (i.e 20%) for their fees. So, if you were being charged 20% using interchange pricing, you would say, I am being charged “cost plus 20”, which in general is a pretty good deal. You can check out all the interchange rates as they are published by Visa and MasterCard.

What is an “effective rate”?

Overall, the best way to tell what you are being charged is to take all your fees and divide that by how much you processed in credit card sales. This is known as your effective rate. Read more about the effective rate in payments.

What about equipment such as terminals?

We have a wide selection of terminals available for rent. As you get set up, we can help you select the best terminal for your needs or any other equipment you might wish to have.

What is PCI?

PCI is a mandatory certificate required annually by credit card brands to keep merchants accountable for protection of cardholder data. Read more about PCI.

How will Interchange-Plus pricing save me money?

The fundamental flaw with other traditional pricing models is that they hide the interchange costs and allows processing companies to charge more of a markup. By consolidating a wide variety of rates into a smaller number of tiers, processors can essentially “round up” to the highest rate in each tier. While this may make your monthly statement a lot easier to read, it also means you’ll be paying higher rates for a lot of transactions – and you probably won’t be able to tell which transactions are being charged abnormally high rates.

By showing you the actual interchange costs, interchange-plus pricing allows you to more easily see what the markup is. This in turn encourages processors to set more reasonable markups. This transparency helps ensure you are getting the best rates.

Cost Plus Model Pricing

Pricing flexibility and no locked-in contracts

Cost Plus Model

Cost Plus Pricing FAQ

Simple, predictable and transparent pricing. Sign up today and start saving!

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