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One flat monthly membership instead of a cut of every sale. Then choose who covers the card cost. The terminal shows exactly what your customer sees under each plan.
Drag the terminal to turn it.
Works with the names your customers already useEvery membership takes every major card and wallet, and plugs into the cart you already have.
Every member gets the same free terminal, the same dedicated specialist and the same zero junk fees. The only difference is who covers the card cost.
$25a month, plus interchange at cost
Our signature plan. Interchange at true cost plus one flat membership, the same pricing model the big retailers use.
Best for businesses that want every customer to pay the same price.
$25a month at any volume
Credit card customers cover their card cost with a 3% surcharge. You cover debit.
Best for credit-heavy businesses in states that allow surcharges. Not available in Connecticut, Maine and Massachusetts.
$25a month, zero processing fees
Zero processing fees. Your posted prices are card prices, 3.5% above cash, and cash customers save.
Best for businesses whose customers accept a posted card price. Signage and receipts are set up for you.
| Tier | Average monthly card volume | Membership | Processing markup |
|---|---|---|---|
| Essential | Under $5,000 a month | $25 a month | None |
| Pro | $5,000 to $10,000 a month | $50 a month | None |
| Elite | Over $10,000 a month | $99 a month | None |
Tiers follow your average volume, not one busy month. Processing over $250,000 a month or across several locations? Ask for custom pricing.
Two numbers are enough: your monthly card volume and roughly what you pay in fees.
| Plan | You pay a month | Effective rate | Card customers pay extra | Difference from now |
|---|
An estimate from the numbers you entered. Your real cost depends on card types, your industry and how cards are taken. Your specialist confirms the exact price in writing.
Square charges 2.6% + 15¢ on every in-person card sale. On our Zero plan your card price covers the card cost, so your only bill is the flat membership.
| Monthly card sales | Square (2.6% + 15¢) | Swipe Saver Zero | Yearly savings |
|---|
Square rate is its published in-person rate. Zero membership is $25 under $5,000 a month, $50 from $5,000 to $10,000 and $99 above. On the Premium plan you pay interchange at cost plus the same membership; we price that from your statement in a free analysis.
Most processing statements carry a handful of these. Ours carry none of them, on every plan.
Hybrid and Zero move card costs to customers, so they come with rules. We confirm yours before either goes live.
Visa caps credit card surcharges at 3%. The surcharge has to be disclosed before the customer pays and printed as its own line on the receipt, and Visa expects 30 days' notice before a program starts.
Debit and prepaid cards can't be surcharged, even when they're run as credit. That's why Hybrid charges you 1.5% + $0.25 on debit sales.
Connecticut, Maine and Massachusetts prohibit surcharges. Colorado and Oklahoma cap them at the lesser of 2% or your cost, and several states, including New York and New Jersey, limit them to your cost of acceptance. California has banned a separate surcharge line since July 1, 2024.
A cash discount is the usual alternative where surcharges aren't allowed. It has rules too: both prices must be clear before payment, and Connecticut treats a card price above the advertised price as a surcharge.
A summary for planning, not legal advice. State rules change; we check yours during setup.
The short answers. All questions
A percentage grows every time your sales do, even though the work of processing a sale doesn't. A flat membership stays the same whether you have a slow month or a record one.
On the Premium plan you pay exactly what the card brands and issuing banks charge, line by line, with no markup. Your only other cost is the membership.
Customers who pay with a credit card pay a 3% surcharge, shown before they pay and printed on the receipt. Debit cards can't be surcharged, so you pay 1.5% plus $0.25 on debit sales. Hybrid isn't available in Connecticut, Maine or Massachusetts.
Zero is a cash discount program. Your posted prices are card prices. Customers who pay cash get the cash price, which is lower. We set up the signage and receipts so customers see both prices before they pay.
Yes, at any time and with no penalty. Plenty of businesses start on Premium and move once they see their card mix.
Tiers follow your average monthly volume, not a single busy month. If you grow into the next tier, we tell you before anything changes.
Four quick questions you can answer from memory. You get a letter grade, what you're overpaying each month and a written quote if you want one. No statement needed.