Visa, Mastercard, Discover and Amex set interchange and network fees. We pass them through at exactly what they charge and add one published markup. It's the same for every card and printed on every statement.
Your markup depends only on how much you process. Everything else is identical.
A real retail store: $62,552 in card sales across 1,566 transactions in September, with an average sale of $39.94.
| Line | Tiered processor | Assay |
|---|---|---|
| Interchange and card network feesSet by the card brands. Identical either way. | $1,174hidden inside the tiers | $1,174 |
| Processor markupTiers, 10¢ authorizations, 0.25% add-ons, monthly fees | $489 | $266 |
| Once-a-year feesAnnual fee, network annual fees | $239 | $40 |
| Total for the month | $1,902 | $1,480 |
Tiered figures are from the store's actual September 2026 statement. The Assay figures apply 0.30% + 5¢ to the same sales, with interchange estimated from the statement's card mix. Network annual fees (STAR, ACCEL) are charged by the debit networks at any processor.
No "qualified" or "non-qualified" buckets. Every sale is billed at its real category.
No PCI, statement, annual, "regulatory," "network access" or batch fees.
Leave any time with 30 days' notice. No early termination fee, no liquidated damages.
Buy at cost or rent monthly. Every terminal ships set up for your POS: Datacap (FasTrax and many others), PAX POSLink, or standalone.
| Model | Best for | Buy | Rent |
|---|---|---|---|
| PAX A35 | Countertop PIN pad next to a POS register | at cost | monthly |
| PAX A920 Pro | Handheld: curbside, events, line-busting | at cost | monthly |
| PAX A80 | Standalone countertop, no POS | at cost | monthly |
Terminal prices are set when our platform partner is final.