We believe honesty is always the best policy. The credit card processing and bank fees associated with processing can be complicated. We take the complexity out by charging a flat rate of 2.9% plus $0.30 per transaction for the vast majority of our merchants. With that said, there are cases where rates could exceed our standard pricing. Our commitment to our merchants is that you will never pay us more than a half percent over what we are charged if your fees go over our base rate. Examples where fees can exceed 2.9% plus $0.30 include (but aren’t 100% limited to) some of the following scenarios: International charges, High risk MCC’s (we will let you know if your company falls into a high-risk category prior to processing your application.) Merchants whose average ticket is very high and transaction volumes are very low can run into higher fees and merchants that accept a high volume of rewards cards or incentive cards can sometimes see higher fees. We are committed to being transparent with our customers in all cases and will be happy to share details with you if your charges exceed the 2.9% plus $0.30/transaction threshold.