Two programs. Both published.
Interchange + 0.30% + 5¢ in person at Tier 1, margin lower as you scale. Pick the program that fits your counter. You pay is interchange-plus with Payzium's low fixed margin published on the page. Your customers pay is dual pricing: a widely used model where you post a cash price and a card price. Program eligibility, display, and signage rules vary by state; we confirm the rules that apply to your state and setup before you go live.
- Cash when the bills are due
Today's sales, in your account tomorrow.
- Terminal included
Qualifying devices, with no upfront purchase price.¹
- A bill you can budget for
No mystery charges. Any junk fee refunded twice.
- Facts, not a pitch
See what you would pay, within 1 business day.
Interchange-plus with a published margin.
You pay card-network interchange and assessments at cost. Payzium's margin applies to credit volume only: a low fixed number, published on the page, the same for every merchant in your tier. Debit runs at interchange cost plus $0.05 per transaction, with zero Payzium margin. Card-not-present credit transactions add 10 basis points at every tier.
| Tier | Monthly card volume | Card-present margin | Card-not-present margin |
|---|---|---|---|
| Tier 1 | Up to $100,000 | Card-present margin: 0.30% + $0.05 | Card-not-present margin: 0.40% + $0.05 |
| Tier 2 | Up to $500,000 | Card-present margin: 0.25% + $0.05 | Card-not-present margin: 0.35% + $0.05 |
| Tier 3 | Up to $1,000,000 | Card-present margin: 0.20% + $0.05 | Card-not-present margin: 0.30% + $0.05 |
| Tier 4 | Above $1,000,000 | Card-present margin: 0.15% + $0.05 | Card-not-present margin: 0.25% + $0.05 |
Plus $0.05 per pass-through transaction. Same at every tier.
Plus a $5 monthly account fee. The $5 also carries the terminal program (see the hardware page).
- Terminal included¹
- Posted pricing
- Next-day funding
See what you will pay. And what you keep.
$4,841
About $403 a month back in your business compared with Square, and $14,522 over three years.
How your price is built
At $40,000 a month in card sales
- Network costs (interchange and assessments), passed through at cost
- $639.62
- Payzium margin
- $72.00
- Payzium per-transaction fees
- $40.00
- Monthly account fee
- $5.00
- Your total a month
- $756.62
- Effective rate
- 1.89%
Estimate on Payzium's published US rate card and live US Visa and Mastercard interchange schedules, $50 average ticket. Competitor figures from each processor's published US rates. Final pricing depends on your actual card mix and current network rates.
Dual pricing. Cash price and card price.
With Payzium Dual Pricing, you post a cash price and a card price. Customers who choose to pay by card pay the posted card price, which is designed to cover eligible card-acceptance costs. Dual Pricing can reduce your net eligible card-processing cost on covered transactions when both prices are properly displayed and collected.
| Posted card price adder | Merchant discount |
|---|---|
| 2.00% | 1.961% |
| 2.50% | 2.439% |
| 3.00% | 2.913% |
| 3.50% | 3.382% |
| 4.00% | 3.846% |
Program availability, display rules, state rules, card-network rules, equipment fees, chargebacks, refunds, taxes, non-card fees, and other third-party obligations may still apply.
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