Know what you are paying before you try to lower it.
Processing cost is more than a headline rate. Some of it is set by the card networks, some by your processor, and some by how you price. A Payment Review shows you which is which.
No upfront cost.No obligation to switch processors.
- Interchange and pass-throughSet by the card networks
- Processor markupSet by your processor
- Monthly and recurring feesSet by your processor
- Who covers the card costSet by how you price
Added together, they are your effective rate: total processing fees as a share of card sales.
Three parts. Two of them can move.
Whether any of it is worth changing depends on your statement, not on a quoted rate.
Set by the card networksDoes not change with your processor
Interchange and other pass-through costs come from the card brands and the banks that issue cards. Your processor passes them along. It does not set them.
Read the Effective Rate GuideSet by your processorCan be reviewed and questioned
Processor markup, transaction fees and monthly or recurring charges. A Payment Review organizes them from your statement and flags the ones worth discussing.
How the Payment Review WorksSet by how you priceNeeds a different setup
Dual pricing and surcharge programs change who covers the card cost at the counter or at checkout.
See the Two ProgramsDual pricing and surcharge programs.
Two ways to change who covers the card cost. Neither fits every business.
Dual pricing
Your business shows a cash price and a card price. Customers who pay by card pay the card price.
What Is Dual Pricing?Surcharge program
Designed for ecommerce. Card transactions include a surcharge at checkout, disclosed to the customer before payment.
Where a program fits. Card-brand rules and state law decide where each program can be used. RevitPay handles the program configuration, disclosure requirements and compliance documentation, and looks at fit before recommending one.
Start with the number you can see.
Send one recent statement.
A RevitPay specialist walks you through the findings by the next business day. If your pricing looks competitive, we will tell you.
Start Your Payment ReviewCheck your effective rate.
Enter a few details and see your effective rate, the true percentage you pay to accept cards. No statement needed.
Check Your Effective RateStart Your Payment Review
Tell us about your business. We’ll follow up within one business day to start your Payment Review.
Meet the RevitPay Team (888) 557-0999sales@revitpay.com · 6120 Parkland Blvd Suite 202, Cleveland, OH 44124
Thank you. A RevitPay specialist will follow up within one business day to start your Payment Review.
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