Choose the right pricing.
Every business needs a pricing model that fits how it sells, how it gets paid, and how much simplicity or flexibility it wants. This page gives you a clean overview of the main pricing options available, including flat rate, interchange plus, zero fee processing, cash discount, and surcharge programs.
Some businesses want the simplest possible rate. Others want more transparency. Others want to reduce how much they pay out of pocket. The best fit depends on your business type, volume, checkout flow, and goals.
Simple pricing with one easy rate.
More transparent cost based pricing.
Reduce out of pocket processing costs.
Reward cash payments with a lower price.
Compare every option.
Start here if you want a clear side by side look at your main pricing choices. Each option below links to its own dedicated page for more detail.
Flat rate pricing.
Flat rate pricing keeps things simple. You pay one set rate instead of dealing with a more detailed cost breakdown. This can be a good fit for businesses that want easy billing and easy forecasting.
- Simple to understand
- Easy monthly forecasting
- Great for merchants who want less complexity
Interchange plus pricing.
Interchange plus pricing separates the actual interchange cost from the processor markup. This is often a strong fit for merchants who want clearer pricing detail and the ability to see how rates are built.
- More transparent structure
- Popular for established merchants
- Strong fit for growing volume
Zero fee processing.
Zero fee processing is the umbrella category for pricing models that help reduce or offset the fees your business pays out of pocket. It usually leads into either a cash discount setup or a surcharge setup.
- Built to protect margin
- Includes cash discount and surcharge
- Best when you want to reduce fee pressure
Cash discount program.
A cash discount program sets the listed price as the standard price, then gives customers a lower price when they pay with cash. This is usually the friendlier way to present fee offset pricing.
- Feels like savings to the customer
- Popular for retail and in person sales
- Great fit for clear counter based checkout
Surcharge program.
A surcharge program adds a disclosed fee when an eligible customer pays with a credit card. This can be effective for the right business, but it has more rule based considerations and needs clear setup.
- Best for certain credit card transactions
- Useful for invoices and some B2B flows
- Needs clear disclosures and correct setup
Not sure which one fits.
If you are not sure which pricing model makes the most sense, this is where custom guidance comes in. We can compare your options based on volume, business type, risk level, checkout flow, and what you want most from your pricing.
- Built around your business
- Compares simplicity, transparency, and savings
- Best when you want help choosing
Pick the pricing that fits your business.
The best pricing model is not always the cheapest sounding one. It is the one that fits your sales volume, risk profile, checkout type, and customer experience. Some merchants want predictable pricing. Some want transparency. Some want to reduce how much they absorb in fees.
Choose simple.
Flat rate pricing is best when you want a cleaner, easier to understand rate structure.
Choose transparent.
Interchange plus is best when you want clearer visibility into cost and markup.
Choose savings.
Zero fee, cash discount, or surcharge can make sense when protecting margin is the main goal.
Quick pricing comparison.
Use this section when you want a fast overview before choosing which pricing page to explore in more detail.
| Pricing model | Best for | Main benefit | Main tradeoff |
|---|---|---|---|
| Flat rate pricing | Merchants who want the simplest setup | Easy to understand and easy to forecast | Less granular than interchange plus pricing |
| Interchange plus pricing | Merchants who want more pricing transparency | Clearer cost structure | More detail to review each month |
| Zero fee processing | Merchants who want to reduce out of pocket fee pressure | Can help protect margin | Needs the right model and clear setup |
| Cash discount program | Retail, storefront, and cash friendly businesses | Feels more customer friendly | Must be structured as a true cash discount |
| Surcharge program | Certain credit card, invoice, and B2B transactions | Directly offsets eligible credit card costs | More rules and more disclosure requirements |
Need help choosing your best fit?
I can help you compare pricing options based on your business type, monthly volume, checkout flow, and goals. If you want the cleanest path forward, start with the pricing model that matches how you actually sell.