Cost Plus Model Pricing

Pricing flexibility and no locked-in contracts

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Cost Plus Model

Cost-plus pricing is one of the most fair and balanced pricing options used in the payment processing industry, largely due to how transparent it is. Cost Plus is a pricing model in which we clearly disclose the exact margin (profit) we will make for each credit card transaction we process. Complete transparency will help ensure the lowest rates for your processing.

Small Business
Plan

For businesses processing up to $50,000/mo

Cost Plus Pricing
  • Interchange pass through: Starting at +0.23%
  • Per transaction fee Starting at 8¢
  • Card not present per transaction fee: Starting at 25¢
Features
  • No cancellation fee
  • No negotiating needed
  • Free customer support

Growth
Plan

For businesses processing
$50,000 – $250,000/mo

Cost Plus Pricing

  • Interchange pass through: Starting at +0.18%
  • Per transaction fee Starting at 6¢
  • Card not present per transaction fee: Starting at 15¢
Features
  • No cancellation fee
  • No negotiating needed
  • Free customer support

Enterprise
Plan

For businesses processing more than $250,000/mo

Cost Plus Pricing

  • Interchange pass through: Starting at +0.05%
  • Per transaction fee Starting at 4¢
  • Card not present per transaction fee: Starting at 10¢
Features
  • No cancellation fee
  • No negotiating needed
  • Free customer support
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The more you process, the lower your rate

With Cost Plus pricing we can leverage your processing volume to ensure the lowest rate possible.

Cost Plus Pricing FAQ

Let us help you make an informed decision. We’ve put together a list of our most commonly asked questions about Cost Plus pricing.
Interchange plus (aka “cost plus”) pricing is a straightforward way to price. If you have cost plus pricing, it is more transparent because it is much more difficult to have hidden fees. In cost plus pricing, processors take all the bank fees, card brand fees etc, pass them straight through to the merchant, then add a markup (i.e 20%) for their fees. So, if you were being charged 20% using interchange pricing, you would say, I am being charged “cost plus 20”, which in general is a pretty good deal. You can check out all the interchange rates as they are published by Visa and MasterCard.
Overall, the best way to tell what you are being charged is to take all your fees and divide that by how much you processed in credit card sales. This is known as your effective rate.
We have a wide selection of terminals available for rent. As you get set up, we can help you select the best terminal for your needs or any other equipment you might wish to have.
PCI is a mandatory certificate required annually by credit card brands to keep merchants accountable for protection of cardholder data.
The fundamental flaw with other traditional pricing models is that they hide the interchange costs and allows processing companies to charge more of a markup. By consolidating a wide variety of rates into a smaller number of tiers, processors can essentially “round up” to the highest rate in each tier. While this may make your monthly statement a lot easier to read, it also means you’ll be paying higher rates for a lot of transactions – and you probably won’t be able to tell which transactions are being charged abnormally high rates.

By showing you the actual interchange costs, interchange-plus pricing allows you to more easily see what the markup is. This in turn encourages processors to set more reasonable markups. This transparency helps ensure you are getting the best rates.
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Simple, predictable and transparent pricing. Sign up today and start saving!

Dots for Clearly Payments

Get access to wholesale payment processing rates for a low fixed monthly fee. You can’t get cheaper credit card processing than this.