We don't
publish a rate.
Anyone who promises you a fixed processing rate before reading your statements is either lying or about to. Here's how we actually quote — and why the answer is always written, never spoken.
See the math before you commit.
Enter your volume and current rate. We’ll show you a directional estimate — then send us three statements and we’ll replace “estimate” with “guaranteed.”
Card-brand interchange schedules change quarterly and bank assessments float. Card Connect and its partners — like every legitimate processor — therefore do not allow agents to advertise specific processing rates. We use the language regulators expect: customized processing rates, transparent fee structure, and payment optimization.
Four steps from statements to a signed agreement.
Send three statements
From your current processor — PDF or scan, redacted is fine. We need to see the fee detail.
We analyze
Card-mix, ticket size, average margin over interchange. We compare to what Card Connect can underwrite.
Written quote
Customized rates, monthly fees, and a side-by-side of what you'd save (or wouldn't). No verbal promises.
Underwrite & deploy
Card Connect underwrites the merchant account. Hardware ships pre-provisioned, ready to use on arrival.
Where each cent actually goes.
On a typical $100 Visa credit transaction, here's how the fee splits. The processor margin is the only number negotiable — everyone else's share is set by the networks. Anyone promising savings on interchange is either confused or selling something.
| Goes to | What it is | On $100 | Negotiable? |
|---|---|---|---|
| Visa / Mastercard | InterchangeThe card network's share. Funds rewards programs. | $1.85 | Fixed |
| Visa / Mastercard | AssessmentsBrand fee on top of interchange. | $0.14 | Fixed |
| Card Connect | Processor marginWhat pays for the gateway, support, fraud tools, hardware subsidy. | $0.40 | Yes — this is what we quote |
| Data Plus | Agent residualOur recurring share for managing your account. | $0.10 | Disclosed up front |
Illustrative figures based on Visa Rewards 1 interchange (1.65% + $0.10) plus typical assessments. Your actual fees depend on card type, ticket size, MCC, and acceptance method.
The honest answers.
Why won't you just tell me a rate?
Two reasons. Legally, US card-brand rules and Card Connect's agent agreement prohibit advertising specific rates because interchange — the largest component — changes quarterly and varies by card. Practically, anyone quoting blind is hiding fees somewhere else. We'd rather read your statements and quote what we can actually deliver.
Is there a contract?
Card Connect requires a merchant agreement — that's standard with any processor. We negotiate term length and early-termination terms case by case. Month-to-month is available for low-volume accounts.
What if I have multiple locations?
Each location can have its own MID — or a parent MID with location-level reporting. We'll spec the structure that gives you the best card-brand pricing tier and the cleanest accounting.
How long until I'm processing?
Underwriting timelines depend on Card Connect's review of your application; most accounts go live within a couple of weeks of signing. Same-day funding can be added.
Do you charge for the integration work?
Standard connectors (HubSpot, QuickBooks, Shopify, etc.) are included. Custom builds against the Card Connect or Pax APIs are scoped separately — usually a fixed fee, sometimes amortized into the processing rate.
Three statements. Forty-eight hours. A real number.
No commitment. We'll either find savings or tell you you're already where you should be.