Credit Card Processing
The Good Mafia of Credit Card Processing
Call our friendly sales team. USA + Puerto Rico (813) 296-8840
Three Pricing Models. You Pick.
Surcharge
Credit card fees are optional!
Surcharging adds a small fee to credit card payments — and keeps cash, debit, and ACH at zero cost. It’s a smart way to protect your profit by giving customers a choice: pay with credit, or skip the fee. For many merchants, this model eliminates credit card processing costs entirely.
Slash processing fees without a legal battle
Why eat credit card fees when you don’t have to? Surcharge pricing shifts the cost to the customer — fairly and transparently. You keep more. Customers choose how to pay. Everyone wins.
You’ll never have to say ‘I didn’t know’
We make surcharge pricing 100% clear and compliant. Customers know the fee upfront — no games, no fine print, no awkward conversations. Just full transparency built into every transaction.
They choose how to pay. You decide who pays.
Customers get options. You keep your margin. Surcharging empowers your business to stop absorbing fees you shouldn’t be paying in the first place — and keeps your processing smart, flexible, and lean.
YOUR CLIENT CHOOSES HOW TO PAY YOU
YOUR CUSTOMERS PAY THE FEE
Dual Pricing
Two prices and the customer chooses
Dual pricing gives you the power to set the rules. Show two prices upfront — one for cash, debit, or ACH, and one for credit. Customers choose. You stay in control of your costs.
Credit card fees aren't yours anymore
Stop absorbing credit card fees that chip away at your revenue. Dual pricing helps reduce or eliminate those fees by passing them — clearly and fairly — to customers who use credit.
Transparent for them and compliant for you
We make sure your pricing is clearly displayed, fully compliant with card brand rules, and built to avoid risk. No surprises for your customers, no exposure for your business.
Ideal for businesses with slim margins
Dual pricing is most commonly used by small to mid-size retailers, auto shops, restaurants, and service businesses with high card volume and tight margins who want to offset credit card fees while staying compliant. This isn’t just a payment method — it’s a strategy. One that protects your margins, empowers your customers, and future-proofs your business against rising costs.
YOU PAY THE FEE
Interchange Plus
This is the traditional way, where you pay the fee.
Interchange Plus means you’re paying the true cost of processing, based on rates set by the card networks. Fees vary depending on factors like card type, transaction method, industry, volume, and more. In 2025, average rates range between 1.15% and 3.5%.
Smart, cost-effective, and fully transparent.
We structure your pricing to keep costs as low as possible — with no hidden fees, inflated rates, or fine print surprises. While way too many other providers quietly layer in extra charges, we keep it clean. You’ll know exactly what you’re paying for, and why.
Built for businesses that value clarity.
Interchange Plus often results in lower overall costs, especially for established or high-volume businesses. You get predictable, straightforward pricing and a setup that’s fully compliant and easy to understand. With Merchantify, transparency isn’t a feature — it’s the foundation.
