System Fees
MONTHLY MAINTENANCE
$29.95
Monthly fee for maintenance, upkeep, and ongoing upgrades to our online technology
Credit Card Fees
INQUIRY FEE
$0.35
Per transaction fee
DISCOUNT RATE
2.54%
Starting rate per transaction fee based on a percentage of transaction amount. Rates will vary by card brand and transaction type.
NON-QUALIFIED SURCHARGE
+0.76%
Added to the base discount rate if the card presented is in the Corporate or Business card category.
REWARDS SURCHARGE
+0.11%
Added to the base discount rate or non-qualified rate for cards that fall in the Personal or Corporate Rewards category.
CHARGEBACK FEE
$25.00
Fee if a customer declares a charge/debit was not authorized.
BATCH FEE
$0.29
Charged for each daily batch of transactions (only when present) processed through the account.
ON FILE FEE
$5.00
Per month.
PCI PROGRAM FEE
$4.95
For access to PCI tool. Vantiv: billed monthly. NAB: billed annually.
PCI NON-COMPLIANCE FEE
$79.95
Per month for not meeting PCI compliance. Fee is assessed by credit card processor.
ACH (eCheck) Fees
TRANSACTION FEE
$1.05
Cost for processing an ACH transaction.
CHARGEBACK
$25.00
Fee debited if a customer declares a debit was not authorized.
RETURN
$5.00
Fee debited if a transaction is returned for an Administrative reason, such as Non-Sufficient Funds (NSF).
ACH REFUND (REVERSE ACH)
$1.00
Fee debited for a cancel or void of an ACH transaction.
ACH HIGH TICKET SURCHARGE
0.25%
Surcharge added to per transaction fee for transaction amounts over $5000.
ACH BATCH FEE
$0.75
Batch closing fee for each day there are transactions processed.
ACH ASSESSMENT
0.20%
Processing fee assessed on all ACH processing volume under $5000.
MONTHLY MINIMUM
$5.00
Minimum amount of ACH transaction fees. When not met or exceeded, the difference is billed.
How You Are Billed
Near the beginning of the month, all transaction and maintenance fees are debited from your bank account for the previous month’s processing. Credit card processing transaction fees will appear as a separate debit from your ACH processing and maintenance fees.
Please Note: Maintenance and transaction fees are debited from the business bank account provided during the application process unless otherwise specified. If you have any questions about processing rates or fees, please feel free to contact us.