We don’t list fake $0.29 flat rates. Your rate is based on actual interchange, risk, history, and volume. Interchange-plus, disclosed upfront, no hidden add-ons.
We use interchange-plus: true Visa/Mastercard cost + processor markup. Markup depends on risk category, chargeback history, average ticket, fulfillment time, and monthly volume. No gouging.
Reserves only when risk dictates and always disclosed before you sign. Low-risk rarely requires one. Medium-risk may have 0-10%, high-risk legal often 5-15% rolling 6-month. Released weekly after 6 months clean if met.
No ETF on Starter. Growth and Enterprise have standard 12-month acquiring agreements with no penalty if terminated for cause or after term. We believe in earning retention.