Credit card processing with rates you can actually read
Accept cards, tap-to-pay, mobile wallets and online payments with interchange passed through at cost, one clear markup, and a local team that answers the phone.
What you’re really paying for when you take a card
Every card transaction has two kinds of cost. The first is interchange: fees set by Visa, Mastercard, Discover and American Express that go to the bank that issued your customer’s card. Every processor pays the same interchange for the same transaction. The second is the processor’s markup: what your provider charges on top for moving the money, the equipment, and support.
Interchange isn’t negotiable. The markup is. And most of the difference between a fair deal and an expensive one lives in how that markup is packaged on your statement.
The three common pricing models
| Model | How it works | Watch out for |
|---|---|---|
| Interchange-plus | Interchange passed through at cost, plus a fixed markup you can see on every transaction. | “Pass-through” costs that have been quietly padded. |
| Tiered | Transactions sorted into “qualified,” “mid-qualified” and “non-qualified” buckets at different rates. | The processor decides which bucket each card lands in, and rewards cards often fall in the expensive ones. |
| Flat rate | One percentage for every card, common with Square and similar setups. | Simple, but often more expensive once you process steady monthly volume. |
We price on interchange-plus, so the card networks’ costs pass through at cost and our markup shows up as its own line. You can check our math every month.
What’s included
- Every way customers pay: chip, swipe, tap, Apple Pay, Google Pay, keyed and online payments.
- Next-day funding so deposits land quickly and cash flow stays steady.
- Works with your POS: Clover, Square, Linga, Tabit, SkyTab, Genius, OneHive and Authorize.net for online payments.
- Option to offset fees with a compliant dual pricing or cash discount program.
- A named contact on our Brandon team instead of a ticket queue.
How to tell if you’re overpaying
Take your last statement and divide total fees by total card sales. That’s your effective rate, the one number that tells you what processing really costs. Then look for line items that aren’t interchange or a clearly labeled markup: PCI non-compliance fees, “regulatory” or “network access” fees with no explanation, monthly minimums, statement fees and batch fees.
Statements are hard to read on purpose. Our line-by-line guide walks through each section, or send us yours and we’ll mark it up for free.
Switching without the headache
Switching processors sounds like more work than it is. We review your current contract first so you know about any exit fees before you decide. If you move, we handle the application and paperwork, program or ship your equipment, and train your staff. Most businesses keep taking cards without missing a day.
Who we work with
We set up processing for restaurants, auto repair shops, smoke shops, retail stores, contractors, medical offices, med spas and salons and convenience stores across Tampa Bay.
Questions we hear every week
What rate will I pay? +
How fast do I get my money? +
Can I keep my current POS? +
What about my current contract? +
Find out what you’re really paying.
Send last month’s statement. Get a line-by-line answer within 24 hours, free either way.
Get my free statement audit →Prefer to talk? (800) 962-5908 — yes, a person answers.