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Monthly payment processing costs explained
We understand how crucial it is for small businesses to manage expenses. That's why we offer a straightforward pricing structure that makes it easier for you to estimate monthly processing costs. See below for details.
For select businesses, custom (Interchange Plus) pricing is also available.
No application fees, no monthly minimums, and no early termination or cancellation fees.
Three steps to estimate your monthly merchant services costs
Step 1: Per-transaction rate
A per-transaction rate that’s the same for all types of cards.
Step 2: Add monthly service fee
A predictable service fee that’s calculated based on the way you process debit and credit card transactions.
Step 3: Add any applicable point-of-sale (POS) device costs
When using a POS device, there may be additional costs for software, apps, or wireless access.
Step 1: Per-transaction rate
Your cost per transaction won’t change based on the type of card your customer uses. The rate you’ll pay is based on:
- Whether you accept most of your payments from consumers or from other businesses
- Whether your customer’s card is physically present or not
- Total monthly sales volume of the card transactions you process
As your sales grow and you meet the minimum for a lower rate in any given month, your rate will be automatically adjusted for the month.
Please reference either the business to consumer table below (if you primarily serve consumers) or the business to business table below (if you primarily serve other businesses).
Business to consumer (B2C) transaction fees
B2C merchants include restaurants, retailers, health practitioners, and any businesses that accept most payments from consumers.
Your cost per transaction, based on the total dollar amount of card purchases you process in a month:
| Total monthly processing volume | Per tap, dip, swipe transaction | Per online or keyed-in transaction |
|---|---|---|
| $0 - $14,999.99 | 2.60% + $0.15 | 3.40% + $0.15 |
| $15,000 - $39,999.99 | 2.40% + $0.15 | 3.20% + $0.15 |
| $40,000 & up | 2.20% + $0.15 | 3.10% + $0.15 |
Business to business (B2B) transaction fees
B2B merchants include distributors, medical/dental suppliers, industrial suppliers, and any businesses that accept most payments from other businesses.
Your cost per transaction, based on the total dollar amount of card purchases you process in a month:
| Total monthly processing volume | Per tap, dip, swipe transaction | Per online or keyed-in transaction |
|---|---|---|
| $0 - $14,999.99 | 2.60% + $0.20 | 3.99% + $0.20 |
| $15,000 - $39,999.99 | 2.50% + $0.20 | 3.75% + $0.20 |
| $40,000 & up | 2.40% + $0.20 | 3.50% + $0.20 |
Step 2: Add monthly service fee
You pay this fee with each monthly statement — regardless of processing activity.
| If you take payments ... | Monthly service fee |
|---|---|
| In person (tap, dip, swipe) via terminals or Clover solutions. | $9.95 per location |
| Through your website’s shopping cart via our Authorize.net® e-commerce processing solution. Includes virtual terminal processing capability so you can also key in customer card information. Additional terms and conditions from Authorize.net apply for this service. | $24.95 |
| By keying customer card information into a virtual terminal via your web browser or by sending a digital invoice. The price remains the same whether you are using your own certified virtual terminal solution or a virtual terminal purchased through Wells Fargo. | $9.95 |
| Through a third-party hosted software solution that enables you to accept payments through your shopping cart, point-of-sale software or a web browser. Includes using your own software solution. | $14.95 |
What the monthly service fee covers:
- 24/7 live support
- Reporting and analytics
- Advanced risk and fraud monitoring
- Tools to help you manage disputes
- Payment gateway access (if you choose e-commerce payment processing)
Step 3: Add any applicable point-of-sale (POS) device costs
We offer point-of-sale terminals and portable devices that allow you to accept debit and credit card payments onsite, online, or on the go.
Availability of certain software plans, apps, wireless access or functionality may vary based on your selected equipment or industry. These options can have associated fees which will impact your typical monthly expenses. Explore point-of-sale device options, and more, using the red button below.
Custom pricing
With this Interchange Plus pricing option, rates are based on what the card payment networks charge per transaction, and can vary from transaction to transaction. Call us at 1-866-609-3378 to learn more and determine if this pricing structure is right for your business.
