Tap, dip, or swipe
2.40% + 10¢
More on your selection
Flat rate: one predictable number per sale.
Interchange sits inside the rate, so there is nothing to reconcile line by line against a statement. Two published rates, by channel, and they do not change with your volume.
Tap, dip, or swipe means card-present transactions — contactless, chip, and magnetic stripe. Online means keyed and e-commerce transactions, which are priced the same as each other.
- One bundled rate per channel
- Mixed card types without surprises
- Predictable monthly cost
2.40% + 10¢tap, dip, or swipe
2.90% + 15¢online
Plus a $18 monthly account fee. You are placed on a rate at onboarding from your stated channel mix and volume; if that changes materially we give 30 days' written notice before any adjustment.
Dual pricing: two prices, plainly posted.
Your posted price is the standard price, and customers who pay cash get a clearly disclosed discount off it. Nothing is added at the register: the discount comes off, it does not go on. Both prices are shown up front and with the right signage; run it right and your out-of-pocket card cost can reach zero. This is a cash discount program. We do not run surcharge programs.
Talk to a rep →Best for
- Retail, salons, cafés, bars
- Steady everyday card volume
- Small-to-mid tickets
Works at the counter with the right signage, and on a terminal or POS you already know how to use. Your rep handles the disclosure setup.
Interchange-plus: one disclosed markup.
Interchange-plus separates every card sale into interchange (set by the networks, paid to the issuing bank), assessments (paid to the networks), and one processor markup — the only number you negotiate. It's the better fit when a second, higher card price would pressure your customer.
0.20% + $0.06to0.40% + $0.15
Your markup is set by your monthly volume. Below $1M/mo it comes with a $18 monthly account fee; at $1M+ the rate and the monthly fee are both custom.
Best for
- High-ticket sales
- One posted price required
- Professional & B2B storefronts
| Monthly card volume | ZenythPay markup |
|---|---|
| Under $25k / mo | 0.40% + $0.15 |
| $25k – under $50k / mo | 0.35% + $0.12 |
| $50k – under $100k / mo | 0.30% + $0.10 |
| $100k – under $250k / mo | 0.25% + $0.08 |
| $250k – under $1M / mo | 0.20% + $0.06 |
| $1M+ / mo | Custom quote |
These are ZenythPay's standard published rates for approved standard-risk accounts. Your exact rate is confirmed in your merchant agreement, and a free statement review shows the math on your own volume. Interchange, assessments and standard fees like PCI are additional and shown at cost.
ACH & Invoices: the fee stops climbing, a card percentage doesn't.
A large invoice paid by card carries a percentage fee that keeps growing with the amount. ACH is 0.5% + 25¢ per transfer, capped at $30, so a transfer never costs more than $30.25 in total. The cap engages at $6,000, so a $6,000 transfer and a $100,000 transfer both cost $30.25 — that is where it pulls away from a card percentage. Returned transfers are $2 each; unauthorized and processor-assessed return items pass through per your merchant agreement. ACH carries a $40 one-time set-up and $20 per month while it is enabled, billed separately from your plan and disclosed before you turn it on. We'll show the math on your actual invoices.
Best for
- Construction & wholesale
- B2B invoices, retainers
- Recurring / subscription billing
1
B2B & wholesale
Large invoices between businesses where a card percentage stings.
2
Construction & trades
Big project draws and final invoices — a % fee on a large job is real money.
3
Professional services
Retainers and project invoices for firms and contractors.
4
Recurring & memberships
Dues, subscriptions, and rent that bill on a schedule.
Get paid without a terminal
Payment Links & Invoices
Send a payment link or an invoice. Your customer can pay by card or ACH — useful for large or remote payments where dual pricing at a counter doesn't apply.
Dedicated Payment Links and Invoices pages are on the way.
Looking at the wrong one? or or · Not sure? A free statement review will show you. Talk to a rep →
Common questions
Pricing, answered.
Still unsure which is cheapest for your business? A free statement review will show you. Start a review →
The difference is the direction. A surcharge starts from one posted price and adds a fee when the customer pays by card. Dual pricing works the other way: the posted price is the standard price everyone sees, and customers who pay cash receive a clearly disclosed discount off it. Nothing is added at the register — the discount comes off. The two are governed by different rules and are not interchangeable. We set up dual pricing and cash discount programs, with both prices posted and the proper signage in place, so your out-of-pocket card cost can reach zero. We do not run surcharge programs.
ZenythPay does not provide tax, accounting, or legal advice. Dual pricing programs post both a cash and a card price and must comply with card network rules and applicable law, including proper signage and disclosure. Interchange and assessments are set by the card networks and vary by card type and how a card is processed. These are ZenythPay's standard published rates for approved standard-risk accounts. They do not apply to merchants classified as moderate or high risk, to special or excluded programs, or to custom-priced card-not-present, gateway, or processor-specific arrangements; those receive a custom quote after a free statement review. The published rates are: dual pricing at $0 monthly on a 3.99% program rate, the 0.20%–0.40% + $0.06–$0.15 interchange-plus markup range, and the flat rate of 2.40% + 10¢ tap, dip, or swipe and 2.90% + 15¢ online. The $18 monthly account fee applies to interchange-plus and flat rate. Invoicing and payment links are included with every plan at no additional charge; the transactions they carry pay the plan's published online rate or the ACH schedule. Your exact rate is confirmed in your merchant agreement.