Payment Processing Solutions
Transparent Fee Structure Programs That Fit Your Business
At PayCircus, we understand that the right fee structure depends on your location, industry, and market. That’s why we offer a variety of fee structures designed to align with your specific business goals.
Whether you’re looking for transparency, consistency, or the knowledge to offset processing fees, our team will guide you through your options and implement the best solution for your operations.
Interchange Plus Pricing
Best for:
- High-volume businesses
- Businesses seeking transparency
- Merchants with consistent card transaction types
- Detailed reporting
- Often lower total fees for larger businesses
- Scales with your transaction volume
Benefits:
Variable Fee Structure, Fees Fluctuate Month to Month
With Interchange Plus pricing, you pay the exact card network feesWith Interchange Plus pricing you pay the card network, and partner fees. These fees vary by card type and aren’t shown to customers at checkout.
These fees are hidden and paid for by the merchant. Rich Reward Cards, drastically increase the fees.
Fixed, Flat Rate Pricing
The Same Fee Rate Every Month
Best for:
- Low to moderate volume businesses
- Merchants who value simplicity
- Easy to explain to staff and partners
- No surprises on your monthly bill
- Ideal for new or smaller businesses
Benefits:
Simple, predictable, and higher. Fixed rate pricing offers a fixed fee rate percentage on every transaction regardless of the card type. While this model is easy to understand and simplifies budgeting, the fees are much higher compared to Interchange Plus pricing.
It’s a good fit for businesses that prefer simplicity and don't want to worry about monthly fluctuations, but may not be the most cost-effective option in the long run.
Cash Discounting
Best for:
- Small businesses
- Retail locations, vape shops, service providers
- Significantly reduces or eliminates processing fees
- No need to raise prices for card-paying customers
- Simple setup and signage provided
Benefits:
Honest, Transparent Pricing , That Rewards Non-Card Payments
With cash discounting, your listed prices include card processing fees, customers who pay with cash or another non-card method receive a lower price. This approach offers full transparency while rewarding non-card paying customers with a price discount.
This eliminates all transaction fees for merchants.
Why Choose PayCircus?
We take the time to educate our customers
We research and vet technology for you
There are no hidden gotchas
FAQs About Payment Processing
What’s the difference between Interchange Plus and Fixed Rate?
Interchange Plus shows you the exact fees from the card networks. Fixed Rate keeps things simple with one flat percentage per transaction.
Is cash discounting legal?
Yes, it is legal in all 50 states, as long as it is disclosed, and we provide signage.
What kind of business is best for Interchange Plus?
It’s a great fit for businesses looking to conceal the transaction fees they pay.
How do I know which option is right for me?
We will evaluate the current solution, and highlight the gaps
Why take a credit card for payment if you are a B2B company?
For the Seller it drastically improves Cash Flow, Eliminates Outstanding Accounts Receivable, Easier to Reconcile Payments, Lowers the need for a line of credit to fund operations.
For Accounts Payable, 30 days to pay the bill, Non-Taxable rewards like cash back, or frequent flier points worth up to 5%. ,
