Three main paths
Start with the business decision. Then choose the program.
Most merchants do not need to start with processor jargon. Start with the checkout experience: absorb fees, share fees, or pass along most fees.
Absorb
Traditional
cost control
Interchange+
A transparent pricing model where the merchant pays interchange, card-brand fees, and an agreed markup.
- Best for merchants who prefer to keep checkout traditional.
- One price at checkout with no customer-facing fee conversation.
- Line-by-line visibility into processing costs.
- Works across most payment environments and products.
Best fit: merchants who want full control, traditional pricing, and clean statement visibility.
Estimate traditional costs →
Share
50–70%
savings
RewardPay Choice
A compliant surcharge program that lets merchants reduce credit-card processing costs while giving customers payment choice.
- Designed to help merchants save 50–70% on credit-card processing costs.
- Surcharge may be added to eligible credit-card transactions, subject to rules and state availability.
- Debit, prepaid, cash, and other non-credit methods are handled differently.
- A middle path when you want savings without fully moving to dual pricing.
Best fit: merchants who want meaningful savings, but do not want to fully change their pricing model.
Compare savings →
Pass Along
Highest
offset
ConsumerChoice
A dual-pricing program where customers see a card price and a discounted cash or ACH price.
- Designed to help merchants reduce or eliminate card-processing costs.
- Customers choose how they want to pay based on clearly presented prices.
- Cash or ACH customers receive a discounted price.
- Strong fit for merchants who want the lowest ongoing processing burden.
Best fit: merchants comfortable presenting two prices and giving customers a visible payment-method choice.
Learn about dual pricing →
*Savings references are illustrative and based on program structure. Actual savings vary by merchant type, card mix, transaction volume, average ticket, transaction method, customer payment behavior, program fees, applicable law, card-brand rules, and final approved pricing. No savings, approval, or eligibility is guaranteed.
