Transparent Payment Processing Pricing
Every business is different. That is why we offer multiple payment processing pricing programs designed to fit your business model.
Why Payment Processing Is Not One-Size-Fits-All
Payment processing fees can vary depending on the type of business, transaction volume, average ticket size, and the way payments are accepted.
Restaurants, retail stores, service businesses, and e-commerce companies all have different payment processing needs.
Some businesses process a large number of small transactions, while others process fewer but higher value transactions.
Because of these differences, the best payment processing program for one business may not be the best solution for another.
That is why Merchant Solutions offers multiple pricing models designed to provide flexibility and transparency.
Understanding Credit Card Processing Fees
Every credit card transaction includes several components. Understanding how these fees work helps businesses choose the most appropriate pricing program.
Interchange Fees
Set by the card networks and issuing banks. These vary depending on card type, payment method, transaction risk level, and business category.
Card Network Fees
Assessed by card brands like Visa and Mastercard for using their payment network infrastructure to route and settle transactions.
Processor Fees
The markup or pricing structure added by the payment processor on top of the underlying interchange and network costs.
Interchange fees vary depending on:
A payment processor then adds a markup or pricing structure on top of these underlying costs.
Our Payment Processing Pricing Programs
Merchant Solutions offers three primary pricing models so businesses can select the structure that best fits their operations.
Interchange Plus Pricing
Interchange plus pricing is one of the most transparent payment processing models available.
With this model, businesses pay the exact interchange fee set by the card networks plus a small fixed markup from the payment processor.
Example Structure
Interchange + Processor Markup
Benefits of interchange plus pricing
This pricing model is commonly preferred by businesses that want detailed visibility into their payment processing costs.
Flat Rate Pricing
Flat rate pricing simplifies payment processing by charging the same rate for every transaction regardless of the card type.
Example Structure
One flat percentage + small transaction fee
Benefits of flat rate pricing
Many new businesses and startups choose flat rate processing because of its simplicity and predictable costs.
Dual Pricing / Cash Discount Program
Dual pricing allows businesses to offer separate pricing for cash and card payments.
With this model, the listed price reflects the card price while customers paying with cash receive a discount.
Benefits of dual pricing
Many retail stores, restaurants, and service businesses use dual pricing as a way to offset rising card processing fees.
Learn more about Dual Pricing
Choosing the Right Payment Processing Program
The best pricing structure depends on several factors.
Transaction Volume
Average Ticket Size
Industry Type
Customer Payment Preferences
High-Volume Businesses
May benefit from interchange plus pricing due to transparent cost structure and lower per-transaction markup.
Small Businesses
May prefer flat rate simplicity with predictable monthly costs and easy-to-understand fee structures.
Retail & Cash-Heavy Businesses
May benefit from dual pricing to significantly reduce credit card processing costs.
Our team helps evaluate these factors to recommend the best pricing structure for each business.
Payment Processing by Industry
Each industry may benefit from a different pricing approach depending on customer behavior and payment volume.
Why Businesses Choose Merchant Solutions
Our goal is to help businesses find the most efficient and cost-effective payment processing solution, including dual pricing and free POS programs.
Transparent pricing structure
Multiple pricing options available
Professional setup and support
Modern payment technology
Integration with POS systems
Payment Processing Pricing FAQ
Find the Best Payment Processing Program for Your Business
Choosing the right pricing structure can significantly impact your payment processing costs. Our team can help evaluate your current payment setup and recommend the best solution.
