Pricing you can actually read.
We use interchange-plus: the card network's true cost, passed straight through, plus one markup we disclose up front. For most small businesses that is the clearest, and often the cheapest, way to take cards. No bundled rate hiding a margin.
Pricing you can actually read.
We use interchange-plus: the card network's true cost, passed straight through, plus one markup we disclose up front. For most small businesses that is the clearest, and often the cheapest, way to take cards. No bundled rate hiding a margin.
Illustrative. Interchange and assessments are set by the card networks and vary by card type and how the card is run.
Pass-through vs. ours, line by line.
The honest test of any processor is which fees they set and which they just pass along.
Pass-through vs. ours, line by line.
The honest test of any processor is which fees they set and which they just pass along.
The two lime rows below are the only fees ZenythPay sets and keeps. Everything else goes to the card networks and banks, at cost.
Judge any processor by your effective rate.
It is your total fees divided by your total volume, the one figure that cuts through every headline rate and bundled quote, because it is what you actually paid. Send a recent statement and we will calculate yours line by line, then tell you honestly whether we can bring it down.
Total fees
Every fee you paid last period: interchange, assessments, markup, monthly account, everything, added up.
Total volume
Everything you processed in card sales over that same period, before any fees come out.
Effective rate
Fees ÷ volume. The one number that lets you compare any processor apples-to-apples, no matter how the quote is bundled.
Pricing, answered.
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It separates the three parts of every card sale: interchange (set by the networks, paid to the issuing bank), assessments (paid to the networks), and the processor's markup. With ZenythPay the markup is a flat 0.40% + $0.15 per transaction, plus a $12 monthly account fee. Interchange and assessments are passed through at cost, so you can see exactly what is the network's and what is ours.
ZenythPay does not provide tax, accounting, or legal advice. Interchange and assessments are set by the card networks and vary by card type and how a card is processed. The 0.50% + $0.10 markup and $12 monthly account fee are ZenythPay's pricing; final pricing and any additional fees are confirmed in your merchant agreement and are not a quote until reviewed.