Best Credit Card Processing Options for Small Businesses

This pricing structure is very transparent. The interchange fees and processor markups are separated. You pay different rates with different types of cards.

IntraFirst charges Interchange + 0.19% + $0.10 per swipe. The "plus" part (0.19% + $0.10) is the processor markup fee. This way, the processor fees are consistent, and you know exactly how much you're paying for them.

While any business model can use Interchange Plus pricing, it's best for small to mid-size businesses.

Our most popular program where businesses pay 0% on all cards with no monthly fee regardless of credit card volume.

This program has been in use by thousands of merchants nationwide for over ten years, it’s legal in all 50 states, and is a game-changer for your bottom-line profits.

No matter whether you process $10k/month or $100k/month most every merchant still pays nothing! Zip. Nada. Zero. Zilch.

Just like interchange-plus, the processor markup is clearly spelled out. But it's just one small fixed per-transaction fee (instead of also a percentage markup). On top of that, you pay a subscription fee for the service.

Our subscription pricing plan Interchange + $0.10 per transaction, plus a $99 monthly subscription fee.

For large businesses, this pricing structure will help you save a ton because the zero percent rate mark-up will more than justify the membership fee.

This pricing model charges one flat-rate processing fee for every transaction - no matter if it's a debit or credit card, Visa or Amex. The interchange fee and markup are blended into the flat rate. Our flat rate fee is 2.69% with no per transaction fee.

Usually, third-party processing providers (like Square and PayPal) use this pricing structure.

It's ideal for new and very small businesses because the pricing is simple, easy to understand, and the cost to process cards is predictable.