Pricing & programs
Two honest ways to pay less on credit card processing across the Midwest — explained in plain English, with one clear markup you can actually audit.
01 / Two clear paths
Transparent cost-plus pricing. You pay the card networks' true interchange cost plus one stated markup — nothing buried, nothing reclassified.
Offset or eliminate processing fees with a cash price and a card price — or with compliant credit card surcharging. Customers choose; you stop eating the cost of every swipe.
That's exactly what the free statement analysis answers. We model both against your real card mix and volume, then tell you which one keeps more money in your pocket — and by how much.
Send a statement, get both numbers02 / What we don't do
If a practice exists mainly to pad someone's margin, it's not part of how we price.
03 / B2B & B2G
If you accept corporate, purchasing, or government cards, you're likely paying more interchange than you have to. Level II and Level III processing passes additional data — tax amount, line items, customer codes — with each transaction, which the networks reward with materially lower rates.
We configure it on your terminal and gateway so the savings happen automatically on qualifying B2B and B2G transactions.
See how this works for B2BFAQ
Interchange-plus is transparent cost-plus pricing. You pay the card networks' published interchange cost plus one clearly stated markup. There are no tiers and no reclassification games, so your effective rate is predictable and easy to audit.
Yes. Cash discount and dual pricing programs are legal in Iowa when set up and disclosed correctly — customers must see clear pricing. We implement them compliantly so you offset most or all of your processing fees.
Both show a cash price and a card price. A cash discount posts the card price and applies a discount for paying cash; dual pricing displays both prices side by side at the point of sale. We'll recommend whichever fits your customers and your terminal.
No. We don't do tiered "qualified / non-qualified" pricing, surprise statement fees, or long lock-in contracts. You get one transparent program you can actually read.
Often, yes. B2B and B2G merchants accepting corporate and purchasing cards can qualify for Level II/III interchange optimization, which passes more data with each transaction to earn lower interchange rates.