Home / Credit card processing
Credit card processing with the margin shown.
Interchange-Plus pricing from a company that reads your statement first. Our margin sits on its own line, in writing, and a real person answers when you call.
Your rate, line by line
| Interchange (set by the card networks) | At cost |
| Card-network fees | At cost |
| PayZoom margin | Shown, in writing |
| Early termination fee | $0.00 |
| Non-compliance fee | $0.00 |
| Processing as low as | 0.05% + $0.22 |
Per transaction, depending on your setup.
Why most statements are hard to read
Many processors bundle their markup into the card-network cost, so you never see what you pay them. Here is what we often find, and what you get with PayZoom instead.
What you often find
- One bundled rate that hides the processor’s markup
- A low starting rate that climbs later
- A monthly “non-compliance” fee
- An early termination fee if you leave
- A ticket queue or an outsourced call center
At PayZoom
- Interchange passed through at cost, our margin on its own line
- With Interchange-Plus, our margin never increases, in writing
- No non-compliance fees. We help you stay PCI compliant
- No early termination fees
- A real person answers when you call
How Interchange-Plus pricing works
Every card payment has three parts. Two of them are the same no matter who processes your cards. The third is ours, and you can see it.
Interchange
Set by Visa, Mastercard, Discover and American Express. The same for every processor.
Card-network fees
Assessments charged by the card brands, passed through at cost.
PayZoom margin
Our fee, shown on its own line. As low as 0.05% + $0.22 per transaction, depending on your setup.
The PayZoom Statement Review
- Send. Email us one recent processing statement.
- Read. We line-item every fee and separate what the card networks charge from what your processor keeps.
- Recommend. You get a plain-English answer. If you are already paying a fair price, we will tell you.
- Switch. If you move to PayZoom, we set up processing to fit your POS, gateway or cart.
Not only did PayZoom lower our costs, they analyzed our internal processes and made recommendations to improve workflow and provided new equipment so we could capture electronic payments at all points in the hospital and at off-site locations.
Jim Bishop, CPA, Controller, Jennie Stuart Medical Center
Since 2006, a person who knows your account.
| Founded | 2006, Daphne, Alabama |
| Clients in | Nearly every U.S. state |
| Support | Never outsourced |
| Registered partner of | Cygnus Payments and Evolv Payment Solutions |
Questions merchants ask us
Straight answers. If yours is not here, call us and a real person will answer it.
What is Interchange-Plus pricing?
You pay the actual interchange and card-network fees for each transaction, plus a separate PayZoom margin. Because the margin is its own line, you can always see what you pay us.
Will my rate go up later?
For Interchange-Plus merchants, our margin above interchange never increases. That is in writing. Interchange itself is set by the card networks and can change for every processor.
Do you charge an early termination fee?
No. PayZoom does not charge early termination fees.
Do you charge PCI non-compliance fees?
No. We help you meet Visa and Mastercard rules and stay PCI compliant instead of charging a monthly fee for it.
Do I need new equipment?
Not always. We set up processing to fit your POS, payment gateway or shopping cart, and we can supply terminals when you need them.
How does the free statement analysis work?
Send us one recent processing statement. We line-item every fee, separate interchange from what your processor keeps, and give you a plain-English answer. If your current rate is fair, we will tell you.
Send us one statement. We’ll tell you exactly what you’re paying.
No cost and no pressure. If your current rate is fair, we’ll say so. We typically reply the same business day.
| Call toll-free | 866.242.4325 |
| Local | 251.626.8100 |
| nate@bizpayzoom.com |