Honest pricing, explained.
Three clear ways to price your processing — and one promise: we'll always put you on whichever model costs you less. No upsell to the pricier option, ever.
Merchants on BlueSwipe save about 20% on average. We'll show you yours, privately.
Three models. We pick your winner.
Rates below are starting and representative. Your real number depends on your volume, ticket size, and industry — so the honest answer always lives in your personalized report.
Flat rate
Starting / representative
One predictable rate on every card, every time. No interchange tables to decode, no per-swipe cents stacking up on small tickets.
- Same rate on credit & debit
- No per-transaction fee
- Easiest to forecast monthly
Many flat-rate processors charge 2.5% + 10¢ per transaction — that dime adds up fast on low tickets. We keep it to one clean percentage.
Get my custom quoteDual pricing
Starting / representative
A compliant surcharge model: the cost of card acceptance is passed to the cardholder, so credit-card processing can cost your business effectively nothing.
- 0% business cost on credit cards
- Debit cards at 2.29% to the business
- Customer pays 2.99% on credit
Customers see 2.99% on credit and 0% to you; debit cards run at 2.29% to the business. We make sure the signage and disclosures are done right.
Get my custom quoteCustomized
Starting / representative
For higher volume, larger tickets, or industry-specific needs. We model interchange-plus and blended structures and quote whatever lands lowest.
- Interchange-plus options
- Volume & ticket-based
- Industry-specific structures
Priced on your real volume, average ticket, and industry mix. This is where most multi-location and healthcare practices end up.
Get my custom quotePublished rates are illustrative starting points and may vary by card type, risk profile, and equipment. We never quote a final savings figure publicly — your audit shows the real, private numbers.
How we choose your model.
We feed three things into the math, run flat against dual pricing, and recommend the cheaper one. That's it.
Monthly volume
Higher, steadier volume often unlocks interchange-plus or a sharper blended rate than flat.
Average ticket
Small tickets get punished by per-transaction cents; large tickets favor a clean percentage.
Industry mix
Healthcare, B2B, retail and restaurant each interchange differently. Your mix changes the math.
We run both models against your real statement and put you on whichever one costs less. Our team is graded on keeping you, not on which structure you land in.
From first call to first swipe in about two weeks.
Roughly 14 days is typical — even when there are complex software integrations to wire in. One specialist owns the whole thing.
Discovery call
We review your last statement and confirm which model wins for you.
Quote & paperwork
Side-by-side numbers, then a clean application — no fine-print surprises.
Integration
POS, e-com plug-in, or any complex software wiring — we handle it.
First swipe
You're live and processing, with next-day funding from day one.
See your real number — privately.
We don't post savings figures publicly, because the only honest number is yours. Send us where to reach you and we'll build a line-by-line audit comparing your current processor to both BlueSwipe models.
A full side-by-side: your current statement vs. flat-rate vs. dual pricing, with every fee itemized. What email should we send it to?
No spam, no obligation. Just your numbers — kept between us.
Straight answers.
The questions everyone should ask a processor — answered plainly.
What is interchange, and do you mark it up?
Interchange is the wholesale fee the card networks (Visa, Mastercard) charge on every transaction — no processor can avoid it. On our customized model we show interchange-plus transparently, so you see exactly what is wholesale cost versus what is our margin. On flat and dual pricing, interchange is simply baked into the single rate.
Are there long-term contracts or cancellation fees?
No long-term lock-in and no early-termination penalties baked into our standard agreements. We earn the relationship month to month. If a specific hardware lease or third-party software carries its own terms, we will flag it in writing before you sign anything.
What about hidden fees — PCI, batch, statement charges?
We itemize every line so nothing hides. Your free fee audit specifically hunts for the usual culprits: PCI non-compliance charges, batch fees, statement fees, and mis-qualified interchange. If we find them on your current statement, we tell you exactly what they are costing you.
How do you decide between flat and dual pricing?
We run both against your real numbers and recommend whichever costs you less — that is the whole point. There is no upsell to the pricier model; our team is graded on retention, not on which structure you land in.
Still wondering something? Call us at (800) 790-1207.
Know your real rate
before you decide.
Get a free, private audit of your current fees. Keep the breakdown either way — no commitment, no pressure.
Registered ISO of Citizens Bank, N.A. · RMA Certified Solution Partner