America's Best Merchant Payment Processing Services

In this modern world, businesses of all kinds need choices to accommodate their unique payment environments. Consumer Choice with Payroc’s ACH solution will not only give your customers an additional way to pay but will also eliminate the cost of ALL Card Transactions!

Consumer Choice enables businesses to offer dual pricing at checkout, thereby providing the customers with the option of a cash price or a card price with processing costs included.

Also, the Cash Discounting program helps a business to offset 100% of its processing costs and offer a discount to any customer paying with cash or check.

NO Surcharge or FEE added to Customer Receipt!

The merchant does not have to raise default pricing. You can simply provide the customer with the Choice to pay one price for cash or a slightly higher price for a card transaction, credit, or debit.

Flat Rate Pricing is best for small businesses processing under $5k/mo.

Flat-rate credit card processing helps to remove unpredictability and complexity. It provides a flat rate percentage with a low per item fee. Also known as flat-fee credit card processing, this payment processing model can be cost-effective for new and very small businesses.

This pricing model charges one flat-rate processing fee for every transaction - no matter if it's a debit or credit card, Visa or Amex. The Interchange Fee and markup are blended into the flat rate.

An example would be a charge of 2.6% + 10¢ per swipe. But this rate can be high.

For debit card transactions, you don't get to benefit from the low interchange rate of .05%.

In short, we can say that Flat Rate Pricing is typically best suited for: