Three ways to price. We'll tell you which one wins.

Most processors sell you one model because it's the only one they run. We look at your statements, your ticket size, and who your customers are, then put you on the structure that leaves the most money in your account.

Most merchants

Dual Pricing

Best for retail, restaurants, and service businesses taking in-person or phone payments.

Near $0Card cost moves to the customer
  • Two prices shown: cash and card
  • Card-paying customers cover the processing cost
  • Works on debit and credit
  • Compliant signage and receipts included
  • Terminal or POS programmed by us
See if you qualify

Surcharge

Best for B2B, professional services, and higher-ticket credit card volume.

Near $0Credit card fee passed through
  • A percentage added to credit transactions only
  • Debit is never surcharged, by rule
  • Card brand caps and state rules applied for you
  • Required disclosures handled at setup
  • Card brand registration included
See if you qualify

Cost Plus

Best for e-commerce and any business that can't or won't pass fees to customers.

Wholesale + one markupQuoted from your statements, then fixed
  • Every card has a wholesale cost set by Visa, Mastercard, and the issuing bank. You see that number on every transaction.
  • On top of it sits one markup — agreed up front, printed on your statement, and it never moves
  • Flat-rate processors bury both in a single percentage and keep the spread when wholesale drops
  • No monthly account fee, no PCI padding, no statement fees
  • We optimize how transactions qualify so your wholesale cost stays as low as it can go
Get a rate review
Not sure which applies? Send us three months of statements. We'll model all three side by side and show you the difference in dollars — including the cases where staying put is the right call.

Calculator

What you'd actually keep.

Enter your numbers. This compares your current flat-rate processor against cost plus and against dual pricing or surcharge. Your actual quote comes from your statements.

What you pay today—
Flowpay cost plus (estimate)—
Flowpay dual pricing / surcharge—
You keep, per year—
Your wholesale cost varies by card type, ticket size, and how the card is entered. This is an estimate — your quote comes from your statements.

Get started

See your options.

No setup fee. No hard sell. We'll tell you if it's a fit.

No setup fees · No contracts · Cancel anytime