ONKORE offers multiple pricing structures based on your transaction volume, payment environment, business type and processing needs. We review your current setup and help identify the model that may provide the best combination of transparency, predictability and value.
No single pricing model is right for every business.
A small mobile business may value simple flat-rate pricing, while an established or higher-volume merchant may benefit from interchange-plus, membership, dual-pricing or custom pricing. ONKORE evaluates how your business processes payments before recommending a structure.
We examine your actual processing costs — not just promote a single model.
Recommendations are based on your transaction profile, not a template.
We explain which models may work with your platform and environment.
Every business is evaluated individually before a structure is recommended.
Answer a few questions about your business for a preliminary recommendation. This is informational only — not an approval or a formal quote.
Each model serves a different type of business. Availability depends on your processing platform, underwriting approval and business profile.
Simple and Predictable
One simplified rate structure can make monthly payment costs easier to understand and forecast.
How It Works
Flat-rate pricing applies a single, consistent rate to each transaction regardless of card type. You see one rate for every sale, which simplifies billing and makes monthly statements easier to review. The structure is commonly available to new and lower-volume merchants who want straightforward pricing without per-card-type breakdowns.
Best For
Benefits
Considerations: Flat-rate pricing may not be the most economical option for every established or higher-volume business.
Transparent Cost-Plus Pricing
Card-network and issuing-bank costs are passed through, with a separately identified processor markup.
How It Works
Interchange-plus pricing separates the interchange costs set by card networks and issuing banks from the processor's markup. Each transaction shows the underlying interchange rate and the processor's added percentage, providing clear visibility into what each component costs. This structure is commonly recommended for established merchants who want detailed transparency.
Best For
Benefits
Considerations: Statements can be more detailed and monthly costs vary with card mix.
Monthly Membership with Reduced Transaction Markup
Eligible merchants may pay a recurring monthly membership charge while interchange is passed through and processor transaction markup is reduced.
How It Works
Membership pricing allows eligible merchants to pay a recurring monthly membership charge while interchange costs are passed through and the processor's per-transaction markup is reduced. The membership fee is predictable each month, and the reduced markup can provide cost alignment for merchants with qualifying transaction volume. This structure is typically evaluated for established, higher-volume businesses.
Best For
Benefits
Considerations: The monthly membership may not be appropriate for lower-volume merchants.
Offer Separate Cash and Card Prices
A properly configured dual-pricing program allows a business to present separate cash and card prices at the point of sale.
How It Works
Dual pricing allows a business to present separate cash and card prices at the point of sale. When a customer pays with cash, they receive the cash price; when they pay with a card, the card price applies. The program requires compatible equipment, compliant signage, and correct configuration to ensure proper implementation.
Best For
Benefits
Considerations: Requires compliant disclosures, compatible technology and correct implementation.
Encourage Cash Payments Through a Compliant Program
A cash-discount program may allow an eligible merchant to offer a discount when a customer pays with cash.
How It Works
A cash-discount program allows an eligible merchant to offer a discount when a customer pays with cash. The posted price reflects the standard rate, and a discount is applied when payment is made in cash. Program implementation requires compliant signage, receipt formatting, and compatible processing technology.
Best For
Benefits
Considerations: Program structure, signage, receipts and disclosures must comply with applicable laws, card-brand rules and platform requirements.
Pricing for Complex or Multi-Location Businesses
Custom pricing may combine processing rates, technology, reporting, account management and implementation requirements into a tailored arrangement.
How It Works
Custom enterprise pricing combines processing rates, technology, reporting, account management, and implementation requirements into a tailored arrangement. The structure is designed around the specific needs of high-volume, multi-location, or complex processing environments. A complete review of processing history, technical scope, and business requirements is conducted before a custom proposal is developed.
Best For
Benefits
Considerations: Requires a complete review of processing history, business requirements and technical scope.
Some merchants may benefit from a pricing arrangement that combines elements of multiple models, depending on transaction channels, business divisions, locations or platform requirements.
Availability depends on processor, platform and underwriting requirements.
Every business processes payments differently. Our payment specialists will answer your questions, explain available pricing options, and help you determine which pricing model best aligns with your business goals and operational needs. There is no obligation and no commitment required.
ONKORE supports eligible real-time funding through the RTP® Network and FedNow® Service. Depending on your processor, transaction eligibility, cut-off times and your financial institution's participation, eligible deposits may arrive within minutes instead of traditional funding schedules.
RTP® Network
The Clearing House real-time payment network supporting participating financial institutions.
FedNow® Service
The Federal Reserve's instant payment service supporting participating financial institutions.
Examples of financial institutions participating in one or more supported real-time payment networks. Participation and service availability may vary by institution.
Same-day or real-time funding is not guaranteed. Availability and funding speed depend on merchant eligibility, underwriting approval, processor cut-off times, transaction type, payment platform, and whether your financial institution supports the applicable payment network. Bank and network participation may change over time.
A neutral overview of how each model compares across key attributes. Individual results vary based on your specific business profile.
Best for: New & mobile
Best for: Established
Best for: Higher volume
Best for: Card-present
Best for: Service & retail
Best for: Multi-location
Comparison reflects general attributes only. Actual suitability, availability and pricing depend on underwriting, platform, transaction mix and a complete pricing review.
These are models commonly evaluated for each industry — not a guarantee of availability or a recommendation until a full review is completed.
Models commonly reviewed:
Our goal is to recommend a structure based on how your business actually accepts payments — not simply promote one model to every merchant.
We evaluate your business type, industry, and how you currently operate to understand your payment environment.
We examine your monthly processing volume and average transaction amount to gauge which structures may fit.
We assess how payments flow — in person, online, mobile, or recurring — and the types of cards you accept.
If available, we review your existing merchant statement to identify your current structure and potential alternatives.
Based on the full review, we recommend a structure aligned to how your business actually accepts payments.
ONKORE can review your existing merchant statement, identify the pricing structure currently being used and explain which alternatives may be available.
Request a complimentary consultation. We'll review your business profile and help identify the pricing structure that may work best for you.
Pricing, equipment, services and program availability vary based on business type, transaction profile, processing platform, underwriting approval and applicable requirements. Examples are illustrative unless expressly identified as a formal offer.
Dual Pricing & Cash Discount: Program requirements may vary by jurisdiction, card network, processor and payment platform. Merchants are responsible for following applicable laws, disclosure requirements and card-brand rules.
ONKORE does not guarantee zero processing costs, guaranteed approval, guaranteed savings, universal eligibility, guaranteed lowest rates, or that any single pricing model is always superior. Interchange rates are set by card networks, not ONKORE. Not every processor or platform supports every model.
Choose the path that best matches your current payment setup.
Let ONKORE review your current statement and actual processing costs.
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