Your rate isn't
your real cost.

Card processors bury junk fees in your monthly statement. We read the fine print, flag every one, and give you one honest rate instead.

or call (404) 585-1079
No statement handy? Try the 60-second estimate →
No contracts Next-day funding Bank-grade infrastructure A local rep

Every business pays fees differently. We price for yours.

Bring us your statement.
We’ll work the rate from there.

See every fee and the rate we can offer before you commit.

Our rate promise
2.19% + 9¢ is our starting point, not a ceiling.

If your statement supports a lower rate, we’ll lower it.

Final pricing depends on volume and card mix.
Published start 2.19% + 9¢ Lower when your numbers support it
Audit

Send one statement

We flag the processing charges, software costs, and junk fees.

Quote

We sharpen the rate

You see your effective rate next to ours. If the numbers support going lower, we do.

Switch

We handle the move

We configure equipment, set up funding, and get you live — usually in about a week.

See the savings and the rate before you decide.

Statement-backed results

Two statements. Two very different fee totals.

Real before-and-after processing costs from merchants we worked with. Individual results vary.

Case file 01Liquor + convenience
Monthly savings $400 per month $4,800 annualized
Before $1,200
After  $800
Salem Liquor Store
Atlanta, GA · Liquor & Convenience
Live in one week

"Switched from Square in a week. Savings hit the first statement."

Matched to merchant statements
Case file 02Restaurant
Monthly savings $261 per month $3,132 annualized
Before $742
After  $481
Atlanta Restaurant (confidential)
Atlanta, GA · Restaurant
Found in first review

Business name withheld at the merchant’s request.

Matched to merchant statements
Pricing

Flat-rate or interchange-plus pricing. See the difference.

Most processors put you on whichever model earns them more. Here's the honest version of both.

2.19% + 9¢/txn Starting rate*
$0/mo Platform fee
$0 hidden fees Extra charges
FLAT RATE
ILLUSTRATIVE MONTH · CARD-PRESENT
Card sales$10,000 Transactions200
Everything, one ratefrom 2.19% + 9¢*
EST. MONTHLY TOTAL$247

Same number every month at the same sales volume and transaction count.

Usually wins for: rich card mix, higher tickets, anyone who wants one number.

Tradeoff: cheap debit pays the same rate.
INTERCHANGE-PLUS
SAME ILLUSTRATIVE MONTH · CARD-PRESENT
Card sales$10,000 Transactions200
Networks' wholesale costVARIES
Crane markupQUOTED
MONTHLY TOTALMOVES WITH CARD MIX

The two costs stay separate on your statement.

Usually wins for: heavy debit, low tickets, steady card mix.

Tradeoff: rewards months cost more.

* Starting rate applies to the flat-rate model, one rate across all card types. Interchange-plus is quoted from your statement and varies month to month with your card mix. Final pricing on either model is confirmed on your quote; equipment varies by terminal, and savings depend on your volume and card mix.

Comparing a flat-rate app? Read our guide to Square alternatives for card processing →

Not sure which model you're on? Most merchants aren't. Send a statement and we'll show which one wins on your card mix — even when the answer is stay put.
Send a statement
Who you're dealing with

Local. Direct. Backed by bank-grade infrastructure.

Not a national call center. A local rep who knows your business.

We cut your processing costs, set up the equipment, and answer the phone when something breaks.

Same rate, no contract, next-day funding — wherever you are.

Our story →

Questions we hear every day

What is a non-qualified surcharge?

Some tiered plans move certain cards into a more expensive “non-qualified” bucket. We flag that line and calculate the effective rate you paid across the whole statement.

Why am I seeing PCI-related fees?

PCI validation is the merchant's responsibility, and some processors assess program or non-compliance fees. We identify what appears on the statement and explain the steps needed to stay validated.

What is a batch fee?

A batch fee can be charged when a terminal closes and submits the day's transactions. We separate it from the advertised rate so you can see its monthly impact.

What is a monthly minimum?

It is a shortfall charge that may apply when processing fees do not reach a required amount. We flag it instead of letting it disappear inside the total.

What does Crane charge instead?

Card-present processing starts at 2.19% + $0.09 per transaction with no monthly platform fee. Equipment and other applicable charges are quoted separately, and your final rate depends on volume and card mix.

Send one statement. Find out what switching is actually worth.

We read the fees, show you the real math, and tell you if switching is worth it. No commitment.

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