Rate Reference

Card-network interchange and competitor processing fee reference

Competitor Processing Rates

Use when clients don't know their current fees — our row is pinned at the top for easy comparison

Processor	Swiped / Dipped	Online	Keyed In	Software Cost	Contract	Next Day Funding
Velocity Business Solutions IC+ or Cash Discount ★ Us Wholesale Benefit & Technology Package included. Rate match guarantee.	IC+ passthrough	IC+ passthrough	IC+ passthrough	Included	Month-to-month	Included
Anytime Pay Flat Rate	2.6% + $0.10	2.9% + $0.15	3.5% + $0.10	Free	Month-to-month
Square Flat Rate Plus plan: $60/mo. Premium: custom pricing. Next-day deposits available (fee applies).	2.6% + $0.10	3.3% + $0.30	3.5% + $0.15	Free – $60+/mo	Month-to-month	Fee may apply
Toast Subscription + IC Restaurant-focused. Starter: $0/mo. Point of Sale: $69/mo. Build Your Own: $165+/mo.	2.6% + $0.15	2.9% + $0.30	3.5% + $0.15	Free – $165+/mo	Annual contract
Stripe Flat Rate ACH: 1.2%. Large merchants: IC + 0.22% + $0.15. Next-day payouts available.	2.7% + $0.05	2.9% + $0.30	3.4% + $0.30	Free	Month-to-month	Fee may apply
Chase Flat Rate Starter: $9.95/mo. Plus: $30/mo. Next-day funding included.	2.6% + $0.10	2.9% + $0.25	3.5% + $0.10	$9.95 – $30/mo	Month-to-month	Fee may apply
Clover (Direct) Tiered / IC+ Payments: $0/mo. Essentials: $14.95/mo. Register: $44.95/mo. Register Plus: $84.95/mo. Fiserv backend.	2.6% + $0.10	Varies	3.5% + $0.10	$0 – $85/mo	3-year lease
SpotOn Tiered Quick Start: $0/mo. POS Essentials: $55/station. Restaurant: $195/mo.	1.99% + $0.25	Varies	2.89% + $0.25	Free – $195/mo	Month-to-month
Shopify Subscription Basic: $29/mo. Grow: $79/mo. Advanced: $299/mo. 3rd-party gateway fee 0.6–2%. Next-day payouts available.	2.6% + $0.10	2.9% + $0.30	2.9% + $0.30	$29 – $299/mo	Month-to-month	Fee may apply
Lightspeed Flat Rate Lean: $69/mo. Standard: $119/mo. Advanced: $199/mo. Enterprise: custom.	2.6% + $0.10	2.9% + $0.30	2.9% + $0.30	$69 – $399/mo	Annual contract
QuickBooks Payments Flat Rate Payments included with QuickBooks subscription ($30–$200/mo).	2.5%	2.99%	3.5%	Free (with QB)	Month-to-month
Heartland IC+ Markup ~$67/mo for merchants under $50K/year. Cancellation fee up to $295.	Varies	Varies	Varies	~$67+/mo	3-year contract
Shift4 Variable PCI fee $325/device/year. Annual fee $99–$250. Inactivity fee $75/terminal/30 days.	Varies	Varies	Varies	Variable	Multi-year contract
Venmo (Business) Flat Rate Instant transfers: 1.75% (max $25). P2P — not ideal for high volume.	1.9% + $0.10	Varies	3%	Free	Month-to-month
Cash App (Business) Flat Rate Instant deposits: ~1.25% min $0.25. P2P — limited business protections.	2.6% + $0.15	Varies	3%	Free	Month-to-month
Zelle P2P Only ⚠️ Personal accounts can be frozen if used for business. Not a merchant processing solution.	Varies	Varies	Varies	Free	N/A

Disclaimer: Competitor rates sourced from public pricing pages and internal reference. Actual rates may vary based on the merchant's plan, volume, and negotiated pricing. Always pull the merchant's actual statement for exact figures.