Pricing That Makes Sense
Clear rates. Smart options. No Contacts
Average In-Person Cost
1.83% + 10¢
2.61% + 10¢
1.00% + 10¢
PIN-Debit
Average costs to expect
All rates shown use Interchange-Plus (IC+) pricing, where your cost is interchange plus a transparent markup.
Average Online & Keyed Cost
3.70% + 25¢
4.97% + 25¢
Average costs to expect
All rates shown use Interchange-Plus (IC+) pricing, where your cost is interchange plus a transparent markup.
Pay 0% on Credit Card Processing
Give your customers the power of choice.
Simple. Transparent. Compliant.
In-Person Zero-fee Programs
You pay 0% for credit cards
Standard in-person rates for debit cards
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Oline Convenience Fees
You pay 0% for credit cards
Standard ACH rates apply when selected
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Pricing structure can have a meaningful impact on margins over time.
This simple example shows how adjusting how card transactions are handled may reduce processing costs and create more room in the bottom line.
Move the slider to see how different monthly card volumes translate into annual impact.
Accept Secure ACH Payments for invoices and recurring billing
ACH for Invoices & Recurring Payments
ACH payments offer a secure, reliable way to collect funds directly from customer bank accounts — ideal for invoices, subscriptions, and larger transactions.
Lower processing costs compared to credit cards
Well-suited for recurring billing and high-ticket invoices
Secure, bank-to-bank payment flow
We’ll help you choose the ACH option that best fits your business and walk through the details before setup.
Learn more
*Pricing estimates shown are for illustrative purposes only. Examples are based on common transaction profiles and typical card mixes. Final pricing may vary based on card types, entry method, processing volume, gateway or processor requirements, and underwriting review. This page does not constitute a pricing agreement.
Growth starts here.
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Save on Processing
Simplify your pricing with clear programs designed around your growth.
Freedom to choose. Power to save.
You might be thinking, “My current setup already works, why change?”
Most processors and software tools use flat-rate pricing made for everyone, not for your margins or goals. That simplicity sounds nice, until you realize you’re paying more than you should.
At Paythos, we design pricing around your business. Flat-rate, interchange-plus, or zero-fee — each option is built to lower your costs, keep things transparent, and give you real support when you need it.
Zero-Fee Programs
A simple, compliant way to eliminate processing fees.
Card brands raise prices twice a year, and rewards cards make you pay for the perks your customers enjoy. Many owners treat it as “just the cost of doing business,” but absorbing those fees often means raising prices for everyone. Zero-fee pricing fixes that by giving customers a clear choice at checkout, fair for them, fair for you, and lets you keep more of what you earn.
Why businesses choose Zero-Fee Programs:
- Protects your margins from rising card-brand fees
- Gives customers a clear cash vs. card choice at checkout
- Automatically handles all calculations through compliant tech
- Helps avoid raising prices across the board
- Pricing programs like Dual Pricing, Cash Discounting, and Surcharging (where available)
Flat-Rate Pricing
Simple, predictable rates without the surprises.
Flat-rate pricing is all about consistency: one clear rate for every transaction, no matter what card your customer uses. It isn’t always the lowest-cost model, but many businesses love it for its simplicity, and we work hard to keep our rates lower than those of the big processors. If you want clean books, easy forecasting, and zero guesswork, flat-rate pricing keeps everything steady.
Why businesses choose Flat-Rate Pricing:
- One consistent rate across all cards
- No surprise spikes from rewards or specialty cards
- High predictability for bookkeeping and budgeting
- Ideal for online stores, small shops, and startups
- Competitive pricing that typically beats the major providers
B2B / IC+ (Interchange+)
Lower costs for businesses that run on invoices and corporate cards.
Corporate, fleet, and purchasing cards cost more to accept unless you pass richer security data. Interchange+ helps you unlock lower B2B rates by using Level II, Level III, or Visa CEDP data to your advantage. It’s the most cost-efficient option for invoice-heavy businesses, improves cash flow, and cuts the hidden costs big processors rarely explain.
Why businesses choose B2B Interchange+:
- Lowest possible rates on corporate and purchasing cards
- Faster cash flow — turn Net-30/60 into Net-3/Net-5
- Optimizes Level II/III or CEDP data automatically
- Protects margins for contractors, distributors, and wholesalers
- Works seamlessly with invoicing tools and accounting systems
Cash flow shouldn’t slow you down.
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