PAY 0% per transaction

Save the most money with a consumer pay program, also known as cash discount "dual pricing" processing. Increase your prices for credit card paying customers to offset your processing costs. A long common practice at gas stations, is now more popular than ever for every other business type. 


Like having a Costco membership for your credit card fees. Also known as "Interchange-Plus" or "Cost-Plus" pricing. Lower your current processing fees by switching to a wholesale pricing plan. Pay the direct wholesale fees set by Visa, MC, DSCV, & Amex + a small flat mark-up. This is the most transparent pricing structure. Take advantage of Visa & Mastercard's most recent settlement. They have agreed to reduce their wholesale rates by $30 billion over the next five years. Our markup rates are some of the lowest in the industry. We will meet or beat any competitor's rate.


Also known as "Bucket" pricing, credit cards accepted are split up into different tiers. When you accept a card from within a given tier, you pay the price of that tier - regardless of the actual cost of the card. 

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Which Credit Card Processing Pricing Structure is Cheapest?


When it comes to credit card processing, one of the most crucial decisions a business owner must make is choosing the right pricing structure. With several options available, it can be challenging to determine which one is the most cost-effective and suitable for your business needs. In this post, we'll compare four popular credit card pricing structures: Tiered Pricing, Flat Rate Pricing, Interchange Plus Pricing, and Cash Discount Program Pricing.

1. Tiered Pricing:

Overview: Tiered pricing categorizes transactions into different 'tiers' based on their qualifications. Typically, these tiers are labeled as qualified, mid-qualified, and non-qualified.

Pros: It's a straightforward system that's easy to understand at a glance.

Cons: It can be more expensive since processors might place the majority of transactions in the mid or non-qualified tiers, which have higher rates.

Best for: Businesses that have a consistent volume of 'qualified' transactions.

2. Flat Rate Pricing:

Overview: As the name suggests, flat rate pricing charges a consistent, flat fee for all transaction types and sizes.

Pros: Predictable and easy to understand. No hidden fees or complex statements.

Cons: Might be more expensive for businesses with a high volume of transactions.

Best for: Small businesses or those with low monthly credit card sales.

3. Wholesale "Interchange Plus" Pricing:

Overview: This pricing model charges a fixed markup plus the interchange fee set by credit card networks. It's transparent, showing the exact cost and markup.

Pros: Transparency allows businesses to see exactly what they're being charged for. Often results in cost savings.

Cons: Might seem complex initially, with varying interchange fees for different cards and transaction types.

Best for: Businesses that value transparency and have a varied mix of transactions and accepted credit card types.

4. Consumer Pay Pricing:

Overview: Consumer Pay pricing, also known as the Cash Discount Program, strategically increases the original prices of products and services to ensure that the credit card processing fees are paid for by the customer. When using a credit card, customers pay this augmented price. In contrast, those opting for cash payments receive a discount, effectively paying the original, pre-adjusted price.

Pros: Helps businesses cover the costs of credit card processing fees without adding a separate charge.

Cons: Some customers might perceive the increased prices negatively, especially if they aren't aware of the cash discount option.

Best for: Customers keen on bypassing credit card processing fees. This approach is especially advantageous for businesses with smaller average transaction values, as the combined impact of processing and per-transaction fees can significantly diminish the sale's profit margin.


Choosing the right credit card pricing structure depends on your business's specific needs, transaction volume, and the nature of your sales. It's essential to understand the pros and cons of each model and consider seeking advice from a payment processing consultant or doing further research to ensure you make an informed decision. Click the link to speak to a knowledgeable advisor.