Retail Merchant Account Rates

The following lists our retail rates where the credit card is physically present and swiped through a card reader. This is usually a store front, however, these rates also apply to tradeshows, home parties, or any situation in which the credit card will be swiped. If you currently process credit cards, check out our free conversion program where we can beat your current rates.

Service Industry Average Merchant Accounts
Express
Retail Discount Rate 1.85% 1.69%
Retail Transaction/Batch Fee 25 ¢ 19 ¢
Monthly Service/Support/Statement Fee $10 - $15 $9.95
Other Fees (some might not apply):
Service Industry Average Merchant Accounts
Express
Voice Authorization Fee
Note: only charged if you call the 800
voice auth line to authorize a transaction.		 $1.50 75 ¢
Surcharge (corporate & international) + 3% + 1.26%, + 1.76%
Chargeback / Retrieval Fee
Note: only charged if your customer disputes a charge. In practice this rarely happens.		 $35 $25
ACH Reject Fee
Note: only charged if you lack funds in your bank account to cover credit card fees or debits.		 $30 $15
ACH Change Fee
Note: only charged if you change
your checking account.		 $20 $15
Most other providers will try to charge you the following fees. We do not!
Service Industry Average Merchant Accounts Express
Annual Fee up to $195 $0
Application Fee $75 - $125 $0
Setup Fee $50 - $150 $0
Programming Fee $50 - $95 $0
Monthly Maintenance Fee $0 - $10 $0
Overlimit Fee varies $0
Authorize.Net Gateway Setup $99 - $299 $0
Authorize.Net Transaction Fee 10 ¢ $0
Web Shopping Cart $299 $0

Note: Rates are effective for accounts setup on or after July 29, 2010. Above is a summary only and may not be all inclusive, all fees are listed in the in the merchant application and agreement. Minimums may apply to some accounts. Unlike other providers we do not charge a cancellation fee if you go out of business or you have a service issue we cannot solve.

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