Every merchant is different, so every rate is different. We read your business plan — your categories, geographies, volume, and risk profile — then come back with one number and no asterisks.
No bait rates, no “starting at” asterisks. We look at your business, make you an offer, and stand behind it.
Share your business model, expected volume, geographies, and payment mix. Three sentences is plenty; a deck is even better.
A human — not an algorithm — reviews your application, underwrites the risk, and builds a quote tailored to your channels, categories, and markets.
One rate card, every line explained. If you want to negotiate, you talk to the person who wrote it — not a sales bot.
We don’t care what your last processor charged. We care about your business — here’s what moves the number up or down.
Your current monthly volume and where you expect to be in 12 months. Higher volume unlocks better interchange-plus pricing.
Creator platforms, marketplaces, wellness, web3, gaming — each has its own chargeback profile. We underwrite on the full picture.
Local acquiring in 38 markets. More domestic acquiring = lower fees and higher approvals.
Cards, wallets, bank transfers, BNPL, and crypto settle each carry different costs. Your blend determines your blended rate.
Fiat, USDC, BTC, ETH — and how often. Daily USDC settlement has a small flat uplift; same-day fiat is free.
Multi-entity setups, split payouts, platform billing, in-person terminals. If it’s unusual, that’s exactly what we like.
“2.9% + 30¢” is the start of a conversation, not the end of one. Here’s what we do differently.
Tell us roughly what you’re building and how big. We’ll come back within a business day with a rate, an onboarding plan, and the name of the person who’ll actually work with you.
Straight answers — no legalese, no “contact sales” run-around.
Because no two merchants are alike. A creator platform in Brazil running USDC settlement has nothing in common, cost-wise, with a wellness brand in the UK taking cards. Publishing one rate would either overcharge half our customers or make us say no to the other half. Custom quotes let us say yes more often — at a fair number.
Within 24 business hours of a complete application. Usually faster. If we need more information, your account lead reaches out directly — you won’t get a generic email loop.
Technically no — we work with merchants from day one. Practically, rates get more favorable above $100k/month in volume. Dispute insurance is available as an add-on for any merchant, priced at underwriting.
Whichever suits your business. Larger merchants and those with predictable card mix usually prefer interchange-plus for transparency. SMBs often prefer a blended rate for simpler reconciliation. We’ll recommend one, explain why, and switch you later if things change.
There aren’t any. The quote shows every line: processing, international uplift, crypto settle, disputes, payouts, chargeback retrieval. If it’s not on the quote, you don’t pay it. No PCI fees, gateway fees, statement fees, IRS 1099-K fees, or “regulatory adjustments.”
Of course — the person who wrote your quote is also the person you negotiate with. Bring volume commitments, multi-year terms, or a competing offer, and we’ll sharpen the pencil. No sales-ops escalation theater.
30 days from the date we send it. If card network costs change materially in that window (which has happened a handful of times), we flag it and re-issue. We’d rather revise a quote than surprise you on a statement.
Yes — if you take card-present payments (terminals, tap-to-pay), those have their own interchange and we’ll include a separate line for them in the quote. Blended rates average them in; interchange-plus breaks them out.
Tell us in three sentences. We’ll come back in 24 hours with a quote, an onboarding plan, and the name of your account lead.