COST PLUS PRICING
Interchange-plus pricing.
A clear, published markup.
Know what you pay. Get transparent interchange-plus pricing with a published markup that decreases as your annual card sales grow.
Get a Custom QuoteNo locked-in contracts. No cancellation fee.
Published cost plus rates
Find your annual credit card sales range, then choose the column for how you accept payments.
| Annual Credit Card Sales | In-Person Payments | Online or Keyed Payments |
|---|---|---|
| $150,000 to $300,000 | 0.38% and $0.08 | 0.48% and $0.23 |
| $300,000 to $600,000 | 0.33% and $0.06 | 0.43% and $0.18 |
| $600,000 to $1 million | 0.28% and $0.06 | 0.38% and $0.17 |
| $1 to $3 million | 0.23% and $0.05 | 0.33% and $0.14 |
| $3 to $10 million | 0.15% and $0.04 | 0.23% and $0.12 |
| Enterprise | Request Pricing |
Scroll the table sideways to view all three columns.
Processing more than the published ranges? Request pricing for your business.
What determines your effective rate?
Compared with flat-rate pricing of 2.6%–2.9% plus $0.30, interchange-plus typically saves established businesses 10–25%. A retail merchant processing $750,000 a year typically sees an effective rate of 1.85%–2.10%, depending on card mix. Your rate reflects the cards customers use, how payments are accepted and the published Clearly markup.
Why choose Clearly Payments?
✓You see real bank costs
✓Cost lowers as you grow
✓No cancellation fee
✓Free customer support
✓No setup fees
✓No negotiating needed
A straightforward switch
“Clearly Payments helped us reduce our processing costs and made the switch straightforward. We were fully up and running in two days, and everything worked exactly as promised.”
– Kurtis B, CEO, Red Ram Service
Cost plus pricing questions
How can I compare this with my current processor?
Add up all of your processing fees and divide that total by your credit card sales to find your effective rate. A statement review can help you understand your current pricing alongside the published Cost Plus model.
What about payment terminals and equipment?
Clearly Payments offers payment terminals for rent. We can help you select a terminal or other equipment for your payment setup. Explore payment terminals.
What about PCI compliance?
Clearly manages the PCI compliance process and helps you complete required validation, so your team has practical support rather than another task to navigate alone. Read more about PCI.
Are other pricing models available?
Yes. Clearly Payments also offers Membership pricing for Canadian businesses. Compare pricing models or read about Membership pricing.
Get pricing for your business
Tell us about your business and annual credit card sales. Our team will review your payment setup and provide a custom quote.
Get a Custom QuoteJoin thousands of North American merchants using Clearly Payments. Already processing? Get a no-obligation statement review to see how your costs compare.