Pricing Plans Built for Your Needs

Your business has unique needs, so we didn’t create a one-size-fits-all approach to pricing. We offer Interchange Pricing and Zero Fee Pricing. You choose which one works best for your business—no strings (or surprise fees!) attached.

Interchange Pricing

While other companies only use Interchange Plus pricing for merchants with a larger scale of operation, Bankcard Services levels the playing field by making this pricing approach available to merchants of all sizes.

  • Transparent statements, so you know exactly what you’re paying for
  • Lower fees than tiered or any other pricing models
  • Removal of various hidden fees and other surcharges

Zero Fee Processing

Under a zero fee processing model, the credit card processing fee you would normally be responsible for is passed to the customers. For a no-fee option, your customers always have the option of paying with debit.

  • No more worrying about transaction fees
  • Ability to keep all generated revenue
  • Quick and easy setup

Transparent, Flexible Options

When it comes to your business, you know what the best solution is. That’s why we offer two different payment processing pricing plans, so you can choose which one will lead you to growth and success.

Interchange Plus Pricing

Do you ever get charged fees and don’t know why, or who they’re going to? With interchange plus pricing, you’ll never have this problem. We give a name and a number to every processing fee—and we’ll never change them on you. What you see is what you pay, that is our promise. With free equipment (including EMV/NFC terminals and mobile readers) and volume discounts, you can stop worrying about the next unexpected rate hike or hidden fee and start focusing on your business.

Why Interchange Plus Pricing?

  • Transparent Fees

    You pay what you see—no surprise rate hikes, no hidden fees.

  • Lower Prices

    Lower than tiered or any other pricing model.

  • Small Business Benefits

    Usually reserved for bigger businesses, we offer Interchange Pricing to SMBs.

100% Transparency Means No Surprises

Monthly Fee


Interchange+ Margins

0.25% + $0.08/transaction

Interchange Fees

Passed-through at cost

Card Assessment Fees

Passed-through at cost

AVS Fee (for keyed sales)


Batch Fee


Retrieval Fee




Voice Authorization


PCI Compliance


Closure Fee


PIN Debit Fees (if applicable)

Passed-through at cost ($48/year)

ACH Reject Fee


Free EMV/NFC Terminal or Mobile Reader

Volume Discount

Zero Fee Processing

Pass on the credit card processing fees with zero fee processing. When a customer uses a credit card, they also agree to pay the fee. Once the customer swipes their card, the terminal will notify them of the fee and give them a chance to accept or use a different form of payment. When the customer covers the fee, you get 100% of the sale—it’s that easy.

Why Zero Fee Processing?

  • No Fees

    Pass on credit card processing fees and keep 100% of sales.

  • Fully Compliant

    Abides by all rules and regulations from the new Dodd Frank act.

  • No Contract

    Zero annual contract to worry about, you can stop at any time.

Request a Consultation

No Upfront Cost & No Long-Term Contract

Sell $100 on a credit card, receive $100 in your account.

You Pay


Your Customer’s Fee


Sell $100 on a debit card, receive $98.75 in your account.

You Pay

1% + $0.25*

Your Customer’s Fee


Technology Pricing

Free In-Person Terminal with EMV Quick Chip


In-Office Virtual Terminal


Online Lightbox Terminal


All of our plans include:

  • No annual fees
  • No batch fees
  • No long-term contracts
  • Unlimited processing
  • Customer analytics
  • Quick access to funds
  • Free EMV/NFC terminal or mobile reader
  • Lifetime equipment protection
  • Risk monitoring
  • A 24/7 support team dedicated to you
  • Price match guarantee
  • Full-disclosure, transparent pricing