Pricing Overview

Transparent Pricing for Every Business

Compare flat rate, interchange plus, and dual pricing programs.

What is payment processing pricing?

Payment processing pricing is the structure of fees merchants pay to accept credit and debit card transactions. The three most common models are flat rate (one blended percentage per transaction), interchange-plus (wholesale interchange cost plus a fixed markup), and dual pricing (cardholder pays a service fee, merchant pays zero processing cost). Each model distributes costs differently: flat rate offers simplicity but typically higher effective rates, interchange-plus provides transparency by separating bank fees from processor markup, and dual pricing shifts the processing expense to the customer when they choose card payment over cash. Understanding which pricing model aligns with your transaction patterns, average ticket size, and customer payment preferences determines your monthly cost and margin retention. Payment processing pricing is not one-size-fits-all; it reflects your industry risk, processing volume, equipment needs, and the underwriting criteria of the back-end processor that ultimately settles your funds.

How payment processing pricing works at MSC

MSC offers flat rate, interchange-plus, and dual pricing programs, structured around your business type, processing volume, equipment needs, risk review, and program eligibility. Standard Interchange-plus pricing is available, with rates set during underwriting. Contact MSC for current rates and program options. While dual-pricing customers pay zero processing fees because the cash discount is passed to the cardholder, and custom rates apply for merchants at higher volumes. MSC underwrites accounts through its processing partners (Fiserv, TSYS, Worldpay, Elavon, Shift4, and EPX), who set final approval criteria and determine exact rate structures after reviewing your application, bank statements, and industry classification. Most merchants qualify for free hardware placement (Clover, Skytab, Talech, Union POS, or Dejavoo) when enrolled in dual pricing or a qualifying processing program, and that free hardware includes installation, training, and 24/7 US-based support. Contact MSC for current rates and program options specific to your business profile and location.

Who payment processing pricing is for

Payment processing pricing at MSC serves restaurants, retail stores, and service businesses across the United States, Canada, Puerto Rico, U.S. Virgin Islands, United Kingdom, and Spain that want transparent fee structures and hardware support. Interchange-plus pricing fits merchants who process consistent volume, want to see wholesale interchange costs separated from markup, and prefer predictable month-to-month statements. Dual pricing works for businesses operating in states and industries where cash discount programs comply with card-brand rules and state law, and where customers routinely have the option to pay cash. Flat rate models suit low-volume merchants who value billing simplicity over per-transaction optimization. MSC underwrites every account through its processing partners, who set final approval criteria. High-risk industries (adult, nutraceuticals, CBD where restricted, multi-level marketing, cryptocurrency exchanges) may not qualify for standard programs or free hardware placement and should disclose business model details during application to avoid delays or declines.

What you get with MSC

When you enroll in an MSC payment processing program, you receive free hardware placement for Clover, Skytab, Talech, Union POS, or Dejavoo systems when you qualify for dual pricing or another eligible processing program, and that free hardware package includes installation, training, and access to MSC's 24/7 US-based support team. Approval and go-live timelines depend on underwriting review, and hardware ships after approval. MSC handles menu and inventory build, employee setup, and on-site or remote training so you can start accepting payments quickly. Because MSC holds ISO partnerships and direct processor relationships with Fiserv, TSYS, Worldpay, Elavon, Shift4, and EPX, you gain access to processor-agnostic placement that matches your underwriting profile and rate needs rather than a one-size-fits-all bank program. Dispute help, PCI compliance guidance, and terminal troubleshooting are included in ongoing support, subject to underwriting and program eligibility.

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