Online payment processing
We review your card mix, average sale, and payment platform. Online pricing is quoted from your statement.
Opening a new location, or taking cards for the first time? Start here instead →
What changes your online processing cost?
The card networks charge more when the card is not physically present. That part is set by Visa and Mastercard, not by your processor. What sits on top of it is set by whoever boarded you, and that is the part you can negotiate.
| Your card mix | Rewards, corporate and international cards cost more, and online attracts more of them. |
|---|---|
| Your average ticket | A flat per-transaction fee takes a larger share of a smaller ticket. |
| In person too? | One blended rate across both hides which side costs more. |
This page doesn’t list an online rate because online costs vary too much between businesses. Send a statement and we’ll show you what you pay now, online and in person, split out.
How the review works
We reply within one business day. A complete review usually takes a couple of business days after we have the details.
You send a recent statement
One month is enough. If you take payments in person as well as online, send that too so we can separate the two.
We split card-present from card-not-present
You get the two rates side by side, with the interchange floor shown separately from the markup, so you can see which part is negotiable.
We compare your options
You get a comparison built on the payment methods and platform you already use, including whether staying where you are costs less.
What we can do depends on how you take payments today, what your platform supports, and your volume. We’ll tell you what’s possible for your setup before we quote.
What an online quote from us includes
Online pricing depends on card mix, average ticket, payment flow, platform support, and volume.
Online processing questions
What is your rate for online payments?
There isn’t a published online rate, because online costs vary too much between businesses. We quote from your statement, based on card mix, average ticket, payment flow, platform support, and volume.
Do online payments cost more than in-person payments?
Usually. Card-not-present transactions carry a different cost than card-present ones, so we quote online and keyed sales from how you plan to sell.
Do I have to switch platforms to get a quote?
No. We build the comparison on the payment methods and platform you already use, including whether staying where you are costs less.
I take cards in person too. Can you price both?
Yes. Send a statement for each and we split card-present from card-not-present, so you see the two rates side by side.
Starting to sell online or switching processors?
Tell us what platform you sell through and whether you also take cards in person. Online pricing is quoted for your mix, and higher-volume businesses can qualify for a lower rate. Nothing is decided until you’ve reviewed and signed the application we prepare with you.