Pricing Programs

Choose how your business pays for processing

Through Payroc, every merchant gets access to a pricing program that fits their business. Whether you want to eliminate fees entirely, share costs with customers, or pay a transparent rate — there's a program for that.

Traditional

Interchange Plus pricing

The standard pricing model in payment processing. You pay the actual interchange rate set by the card networks (Visa, Mastercard, etc.) plus a small, transparent markup. Every line item on your statement is visible.

  • You pay all processing costs
  • Full transparency — see interchange, card-brand fees, and markup separately
  • Works with every product and terminal in the Payroc portfolio
  • No restrictions by state or card type
  • Best for businesses that prefer to absorb processing as a cost of doing business

Available everywhere · No additional monthly program fee

RewardPay Choice

Save 50–70% on processing

Payroc's compliant surcharging program. A small fee (up to 3%) is automatically added to credit card transactions at checkout. Debit cards and cash are not affected. The customer always has the choice to pay another way to avoid the surcharge.

  • Surcharge applies to credit cards only — not debit or prepaid
  • Auto-detects card type at the terminal, no guesswork
  • Customer is notified of the surcharge and can choose a different payment method
  • Maximum 3% surcharge to cardholder (2% in Oklahoma)
  • Debit transactions billed at flat rate or interchange plus
  • Same-Day Money Express included at no extra cost
  • Fully compliant with card network rules

$25/month · Available in every state except CT, MA, and ME

Most Popular

ConsumerChoice

Save up to 100% on processing

Payroc's compliant dual-pricing program. Your business displays two prices: a card price and a discounted cash or ACH price. Customers see both and choose how they want to pay. You can eliminate 90–100% of processing costs.

  • Two prices displayed: card price and discounted cash/ACH price
  • Your advertised price is the card price — the cash price is the discount
  • Works with all card types (credit, debit, digital wallets)
  • 3.5–4% spread covers processing on all cards
  • No PIN debit with ConsumerChoice
  • Same-Day Money Express included at no extra cost
  • Available everywhere in the U.S. — no state restrictions

$25/month · Available in all 50 states

How They Work

A $100 transaction under each program

Traditional RewardPay Choice ConsumerChoice
Customer pays (credit card) $100.00 $103.00 $100.00 (card price)
Customer pays (cash/debit) $100.00 $100.00 ~$96.00 (cash discount)
You receive $100 minus processing fees $100.00 deposited $100.00 deposited
Your processing cost Full interchange + markup Debit fees only Little to nothing
Typical savings vs. traditional — 50–70% 90–100%
State availability All states All except CT, MA, ME All states
Same-Day Money Express Add-on ✓ Included ✓ Included

Works Across the Platform

All three programs work with Payroc's full product lineup

RewardPay Choice and ConsumerChoice are built into Payroc's proprietary products. You don't need to add separate software — the pricing program is configured at the account level and works across your terminals, apps, and gateway.

Compatible with every Payroc product

Your pricing program stays consistent whether you're accepting a payment on a terminal, through an invoice, on a mobile app, or via an online checkout — so your savings apply everywhere you do business.

  • Roc Terminal+ (N950, N950-S, X800)
  • Roc Services (scheduling, invoicing, mobile)
  • Payroc Gateway & FluidPay
  • Payroc Mobile (Tap to Pay on iPhone)
  • Clover POS (Solo, Duo, Mini, Flex, Compact)
  • Biller Genie (automated AR)
  • Ingenico & PAX terminals

Not Sure Which to Choose?

We'll help you figure it out

The right pricing program depends on your business type, customer base, transaction volume, and which state you operate in. During your onboarding conversation, we'll walk through each option and recommend the one that fits best — with no pressure and full transparency.

Switching is simple. If you start on one program and want to change later, Payroc can adjust your pricing program without replacing your equipment. The program is account-level — not hardware-level.
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