Accepting payments made affordable.
Lower rates, no monthly fees, and no contracts. PayFinz offers transparent payment processing pricing designed to help businesses save money.
Credit Card Processing Rates
In–Person Transactions
Volume-based Interchange+ pricing
Rates automatically decrease as monthly volume increases.
Keyed & Online Transactions
These rates apply to online payments, manually keyed transactions, invoices, and virtual terminal payments.
ACH / Bank Payments
Businesses can accept direct bank withdrawals
ACH Acceptance
0.5% + $0.25 per transaction
- Capped at $6 for transactions under $25,000
- +0.05% for transactions above $25,000
Pass Processing Fees to Customers
(Optional)
In-Person Surcharging
Pay 0% for credit cards
Standard debit card rates still apply.
Online Convenience Fees
Pay 0% for credit cards
Or ACH rates if the customer chooses bank payment.
No Monthly Fees — Tools Included
All business tools are included with a free account
Equipment Pricing
or $429 one-time
Additional Payment Features
Level 2 / 3 Interchange Optimization
Automatically optimizes corporate and commercial credit card data to reduce interchange fees.
Fraud Defender
Automated logic designed to help detect and prevent fraudulent transactions.
Dispute & Payment Issues
- Chargeback disputes: $15 per occurrence (free if the dispute is won)
- ACH rejects: $5 per occurrence
Accounting Integrations
PayFinz integrates with accounting software:
- • Xero
- • QuickBooks Online
Key Pricing Benefits
No setup fees
No monthly fees
No contracts or cancellation fees
Transparent interchange-plus pricing model
FAQ
Fees depend on: the pricing model and processor margin, interchange rates, card brand and type, transaction type, and industry risk factors.
No. Businesses only pay transaction fees for payments processed.
No. Tools like invoicing and virtual terminal are included for free with the account.
Ready to start saving?
PayFinz uses a transparent interchange-plus pricing model, meaning businesses pay the actual interchange fee plus a small markup. There are no monthly fees, no contracts, and volume-based discounts automatically lower the markup as sales increase.