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Merchant Service

Rates

Offering the Most Competitive Rates in the Industry

Our Company offers the most competitive program in the industry today Interchange Pass Through. Our program provides the lowest overall cost of service, by passing through the direct cost for Interchange Fees and Assessments with a small markup in order to provide your business with the most reliable service and support.

It is important to understand that comparing quotes from one merchant service provider to the next can be very difficult. Rates will vary depending on the pricing method, type of card, the manner in which the card is processed and your adherence to qualifying criteria associated with the sale.

Interchange Pass Through (IPT)

As a business owner you have enough to do without having to figure out how Credit Card Interchange works. The good news is it's not that complicated. Interchange consists of different percentage and transaction fees that an Issuing Bank (Cardholder's Bank) charges an Acquiring Bank (Merchant's Bank) to process one of their cardholder's credit cards. There are hundreds of different interchange fees, what is important is to understand that interchange is essentially the wholesale rate that banks charge each other in order to process a credit card transaction. In order to pay the lowest fees when processing credit cards, a merchant's goal is to pay as close to interchange as possible.

Services Competition US
Application Fee$95 - $250Free
Setup FeeNon-RefundableFree
PCI Compliance Fee$120 - $199 Annual Fee$10 per month
RepresentativeNODedicated Account Manager
Equipment ProgrammingHandled by Third Parties24 - 48 Hrs
Average Approval Time2 - 4 days1 - 2 days
Technical Support Hours9am-5pm Monday-Friday24 x 7 x 365
Retail Discount Rate (Face-to-Face Sales)1.69%0.25% IPT*
Internet/Mail/Phone Order Discount Rate2.75%0.35% IPT*
Transaction Fee$.25 - $.35 cents per trans$.10 - $.15 cents per trans
Statement Fees$10 - $20 per month$10 per month
Supporting Bank???Wells Fargo Bank

Rate Comparison based on 0.25% over Interchange

Tiered Example Rates: I.P.T. Example Rates:
Visa Regulated Check CardInterchange Cost 0.16% with Assessments
Example: 1.69%Our Rate: 0.41%
Visa Rewards 1 CardInterchange Cost 1.76% with Assessments
Example: 2.69%Our Rate: 2.01%
Visa Commercial Card RetailInterchange Cost 2.56% with Assessments
Example: 3.19%Our Rate: 2.76%

Rates based on April 2021 Visa® Interchange Reimbursement Fees and Assessments

Beware of Tiered Pricing Programs

Most merchant account providers quote a "rate as low as" rate, this rate is generally what they call their Qualified Rate. Most tiered merchant accounts have a base rate plus two additional tiers that carry a surcharge when the type of card or acceptance method does not fall into the qualified tier. In this type of pricing method you are almost always paying well above the interchange cost for all surcharged transactions. Interchange Pass Through Programs only have one discount rate that you pay above the True Cost to accept a card.

3-Tier Merchant Rate Structure: 4-Tier Merchant Rate Structure:
Qualified Discount Rate (Base Rate)Debit Discount Rate (Check Cards Only)
Example: 1.69%Example: 1.29%
Mid Qualified Surcharge (Qualified Rate + Mid Qualified Surcharge)Qualified Discount Rate (Qualified Rate)
Example: 1.69% + 1% = 2.69%Example: 1.69%
Non Qualified Surcharge (Qualified Rate + Non Qualified Surcharge)Mid Qualified Surcharge (Qualified Rate + Mid Qualified Surcharge)
Example: 1.69% + 1.5% = 3.19%Example: 1.69% + 1% = 2.69%
Non Qualified Surcharge (Qualified Rate + Non Qualified Surcharge)
Example: 1.69% + 1.5% = 3.19%

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