Salons and spas are paying tiered-pricing premiums averaging $1,420 a year.
Tiered pricing buckets your transactions into 'qualified', 'mid-qualified', and 'non-qualified.' You don't get to see the math. Most salons are paying mid-qualified rates on transactions that should qualify. We pull the data and show you which.
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What we find auditing salons & spas.
- $1,420
Median annual overcharge across audited salons and spas
- 15 to 30%
Typical overpayment range, salons and spas
- 30 to 60%
Of transactions mis-bucketed into mid- or non-qualified tiers, typical
- 4 minutes
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How it shows up in salons and spas
Four overcharge patterns we find on nearly every salon and spa statement. Tiered pricing is the dominant lever. The processor decides which tier each transaction lands in, and the salon almost never sees the audit trail. We pull it.
- 01
What is tiered pricing and why is it costing me?
Tiered pricing buckets your transactions into 'qualified', 'mid-qualified', and 'non-qualified' tiers, each with a distinct rate. The processor decides which tier each transaction lands in. Most salons end up with 30 to 60% of transactions in mid- or non-qualified tiers, paying premium rates on cards that should qualify.
- 02
Is my terminal lease costing more than it should?
Many salons signed multi-year terminal leases at $39 to $79 per month for hardware that retails for $250 to $400. The lease is non-cancelable and runs 36 to 60 months. Total lease cost runs 5 to 15 times the hardware retail price. The monthly fee continues even if the salon migrates to a new processor.
- 03
Are gift card transactions charged extra?
Gift card load and redemption transactions carry distinct merchant category rates. Many processors charge the premium 'mid-qualified' or 'non-qualified' tier on gift card activity, even when the same processor would qualify standard cards on the same statement. Salons with active gift programs often pay $0.10 to $0.30 extra per gift transaction.
- 04
Why are online booking deposits charged at a higher rate?
Online booking and pre-paid deposit transactions are processed as card-not-present and carry interchange premiums of 0.3 to 0.6 percentage points over card-present rates. Processors often add their own CNP markup on top. Salons running active online booking pay this surcharge on every deposit.
Audit findings across salons and spas.
Three illustrative composite audits drawn from the structural patterns we surface in this vertical. Specific savings figures reflect the median range of recoverable processing overcharges.
- Portland ORIndependent salon, 5 chairs$16,000/month
Mid-qualified tier markup on transactions that should qualify: $112/mo
$1,580Saved annually - Naples FLDay spa$24,000/month
Terminal lease overcharge at 5x retail across 8 stations: $186/mo
$2,040Saved annually - Phoenix AZMulti-location salon (3 locations)$19,000/month
Gift card processing routed at non-qualified tier: $58/mo
$1,260Saved annually
Illustrative composite. Drawn from structural patterns Payzium audits surface. Not a real customer case.
Built to help you read your own statement.
Find your number.
Upload your most recent processing statement. We read every line, benchmark you against salons and spas we have audited, and send a written report by email. If we cannot lower your costs, we pay you $500.
Three steps. Roughly four minutes total.
- Step 1
Upload your statement
PDF, PNG, or JPG. Most merchants take less than 2 minutes.
- Step 2
Tell us about your business
60 seconds. Business name, role, monthly volume range, contact info.
- Step 3
Get your written report
24-48 hours. Delivered by email. Yours regardless of whether you switch.
Free. No phone calls. No fine print.