We publish our pricing because we're proud of it. Most processors bury fees in fine print — we don't.
All plans include PCI compliance, dedicated support, and no early termination fee.
| Feature | MerchantMe | Typical Processor |
|---|---|---|
| Transparent pricing | ✓ Published rates | Often hidden |
| Insurance industry approval | ✓ Specializes in it | Usually declined |
| ACH / eCheck processing | ✓ Included | Add-on fee |
| Dedicated account rep | ✓ All plans | Enterprise only |
| Chargeback management | ✓ Included | Extra cost |
| Early termination fee | ✓ None | Up to $500 |
| Same-day funding | ✓ Available | Rarely |
| Setup fee | ✓ $0 | $50–$500 |
Interchange-plus (IC+) means you pay the actual interchange rate set by Visa/Mastercard/Amex, plus a small fixed markup from us. It's more transparent than flat-rate pricing and almost always cheaper for businesses processing $10,000+/month.
No. We charge a small monthly statement fee ($10–$25 depending on plan) and standard chargeback fees ($25 per dispute). Everything else is disclosed upfront before you sign anything. No setup fee, no early termination fee.
Yes — this is one of our specialties. Insurance agencies, legal services, healthcare billing companies, and telecom providers are often flagged as high-risk by mainstream processors. We have banking relationships specifically for these industries.
Most standard accounts are approved within 24–48 hours. High-risk accounts may take 3–5 business days due to additional underwriting. We'll keep you informed every step of the way.
No early termination fee — ever. We earn your business every month. You can cancel at any time with 30 days' notice, no penalties attached.