Clear Pricing. Built for Your Business.
Explore payment costs and pricing options based on how your business gets paid.
ONKORE pricing
Simple rates. Clear details.
Explore rates by payment method and card brand.
Interchange plus pricing
Illustrative rates. Final pricing and network fees vary.
Rate sources & details
Visa and Mastercard examples use published reference categories. American Express and Discover figures are ONKORE reference estimates requiring processor confirmation, not verified network-set interchange. Applicable network fees are additional. The displayed range uses reference examples at the selected transaction amount and may include other-industry examples; it is not a blended or approved rate.
Available card-brand examples
1.10% – 3.04%
Illustrative examples—not a blended or approved rate. Per-transaction and network fees vary.
Amex and Discover estimates require processor confirmation. Additional network fees may apply.
Amex & Discover rate details
Discover
Discover rates vary by card type, transaction method, and qualification. Displayed figures are ONKORE reference estimates, not verified Discover-set interchange. Additional conditional network fees are excluded from totals; final pricing requires processor confirmation.
Adjusted network-fee estimates
Card-brand: 0.120% + $0.0000Data usage: 0.000% + $0.0095Data transmission: 0.000% + $0.0000International cross-border: 0.790% + $0.0000International processing: 0.490% + $0.0000American Express
American Express OptBlue rates vary by industry and transaction amount. Displayed figures are ONKORE reference estimates, not verified Amex-set rates. Additional conditional network fees are excluded from totals; final pricing requires processor confirmation.
Adjusted network-fee estimates
Network fee: 0.155% + $0.0000International cross-border: 0.990% + $0.0000Keyed fee: 0.290% + $0.0000Acquirer network fee: 0.020% + $0.0200$0$50k$100k$250k$500k+
Milestone-based slider (not a linear dollar scale). Drag to explore proposed volume discounts, or enter an exact amount above.
Standard tier · under $50,000 monthly
ONKORE proposed margin (subject to approval): Interchange + 0.30% + 5¢
Setup, monthly and cancellation fees depend on your approved agreement. Request pricing for your business.
Request a Custom QuoteCompare pricing models
Choose a structure that fits your business. Availability and eligibility vary by program.
Flat-Rate Pricing
Simple, predictable billingBest for: New businesses · Lower-volume merchantsView details
One simplified rate structure can make monthly payment costs easier to understand and forecast.
Best for: New businesses · Lower-volume merchants · Mobile businesses · Businesses prioritizing simplicity
- Simple billing
- Easy to explain
- Predictable structure
- Less complex statement review
Considerations: Flat-rate pricing may not be the most economical option for every established or higher-volume business.
Interchange-Plus Pricing
Card costs plus a clear markupBest for: Established businesses · Growing merchantsView details
Card-network and issuing-bank costs are passed through, with a separately identified processor markup.
Best for: Established businesses · Growing merchants · Detailed pricing visibility · Merchants with varied card types
- Detailed transparency
- Clear cost separation
- Suitable for many established merchants
- Easier statement analysis
Considerations: Statements can be more detailed and monthly costs vary with card mix.
Membership Pricing
Monthly fee with reduced markupBest for: Higher-volume merchants · Predictable processing costsView details
Eligible merchants pay a monthly membership while interchange is passed through and the processor transaction markup is reduced.
Best for: Higher-volume merchants · Predictable processing costs · Established retail, healthcare & services
- Predictable monthly membership
- Reduced percentage markup where available
- Strong fit for qualifying higher-volume businesses
- Transparent separation of card costs
Considerations: The monthly membership may not be appropriate for lower-volume merchants.
Dual Pricing
Separate cash and card pricesBest for: Restaurants · RetailView details
A properly configured dual-pricing program allows a business to present separate cash and card prices at the point of sale.
Best for: Restaurants · Retail · Salons · Auto-related businesses · Other eligible card-present merchants
- May help offset card-processing expenses
- Clear customer price presentation
- Can work well in eligible card-present environments
- Supported through compatible equipment and software
Considerations: Requires compliant disclosures, compatible technology and correct implementation.
Cash Discount Program
A discount for cash paymentsBest for: Eligible restaurants · Convenience businessesView details
A cash-discount program may allow an eligible merchant to offer a discount when a customer pays with cash.
Best for: Eligible restaurants · Convenience businesses · Service businesses · Certain retail environments
- May reduce the merchant's effective card-processing expense
- Encourages cash payments
- Can be implemented through compatible platforms
Considerations: Program structure, signage, receipts and disclosures must comply with applicable laws, card-brand rules and platform requirements.
Credit Card Surcharging
Disclosed credit-card fee, where permittedBest for: Eligible card-present merchants · Businesses in permitted locationsView details
Where permitted, a clearly disclosed fee is added to the posted price when a customer pays with a credit card. Availability is conditional and the program must be configured correctly.
Best for: Eligible card-present merchants · Businesses in permitted locations · Merchants weighing alternatives to dual pricing
- May help offset credit-card processing costs
- Distinct from dual pricing and cash discount
- Configured through compatible platforms
- Applies only where programs are permitted
Considerations: Availability depends on location, processor, platform, card type and applicable network rules and legal requirements. Only credit cards may be surcharged — debit and prepaid may not — and the program does not eliminate processing costs.
Custom Enterprise Pricing
Tailored for complex or multi-location businessesBest for: High-volume businesses · Multi-location merchantsView details
Custom pricing may combine processing rates, technology, reporting, account management and implementation requirements into a tailored arrangement.
Best for: High-volume businesses · Multi-location merchants · Omnichannel businesses · Organizations needing integrations · Complex processing environments
- Business-specific structure
- Multi-location support
- Integration planning
- Dedicated implementation guidance
- Advanced reporting options where supported
Considerations: Requires a complete review of processing history, business requirements and technical scope.
Hybrid pricing options
A combination of pricing models may suit different payment channels, business divisions or locations. Availability depends on processor, platform and underwriting requirements.
Faster Access to Funds
Get Paid Faster with ONKORE
Same-day funding and eligible instant payouts may be available through select processor programs.
Not guaranteed. Processor, transaction, cutoff time and receiving-bank eligibility apply.
Ask About Faster FundingFunding details & participating banks
Same-Day Funding
Get Paid Faster
Same-day funding and eligible instant payouts may be available through select processor programs. RTP® and FedNow® are bank-to-bank payment networks; a bank's participation does not by itself establish that an ONKORE processor can send merchant settlements over those networks. Availability, timing and eligibility must be confirmed for each merchant.
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.
Eligible deposits may arrive within minutes
Participating banks across the U.S.
Faster access to eligible funds
Secure bank-to-bank payment networks
Major 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.
Chase
Bank of America
Wells Fargo
Capital One
Citibank
PNC
Truist
TD Bank
U.S. Bank
Huntington Bank
Goldman Sachs Bank
BMO
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.
Explore pricing details
Everything you need to compare options, available when you need it.
Find my pricing model
Pricing Model Selector
Find a Model That May Fit
Answer a few questions about your business for a preliminary recommendation. This is informational only — not an approval or a formal quote.
Question 1 of 6
What type of business do you operate?
Compare all pricing models
Side by Side
Pricing Model Comparison
A neutral overview of how each model compares across key attributes. Individual results vary based on your specific business profile.
Flat RateBest for: New & mobile
- Simplicity
- High
- Cost Transparency
- Moderate
- Predictability
- High
- Volume Suitability
- Lower volume
- Card-Present
- Eligible
- Online
- Eligible
- Compliance Setup
- No
- Review Required
- Yes
Interchange PlusBest for: Established
- Simplicity
- Moderate
- Cost Transparency
- High
- Predictability
- Varies
- Volume Suitability
- Mid to high
- Card-Present
- Eligible
- Online
- Eligible
- Compliance Setup
- No
- Review Required
- Yes
MembershipBest for: Higher volume
- Simplicity
- Moderate
- Cost Transparency
- High
- Predictability
- High
- Volume Suitability
- Higher volume
- Card-Present
- Eligible
- Online
- Eligible
- Compliance Setup
- No
- Review Required
- Yes
Dual PricingBest for: Card-present
- Simplicity
- Moderate
- Cost Transparency
- Moderate
- Predictability
- High
- Volume Suitability
- Varies
- Card-Present
- High
- Online
- N/A
- Compliance Setup
- Yes
- Review Required
- Yes
Cash DiscountBest for: Service & retail
- Simplicity
- Moderate
- Cost Transparency
- Moderate
- Predictability
- High
- Volume Suitability
- Varies
- Card-Present
- High
- Online
- N/A
- Compliance Setup
- Yes
- Review Required
- Yes
Custom EnterpriseBest for: Multi-location
- Simplicity
- Varies
- Cost Transparency
- Varies
- Predictability
- Varies
- Volume Suitability
- High volume
- Card-Present
- Eligible
- Online
- Eligible
- Compliance Setup
- Varies
- Review Required
- Yes
Credit Card SurchargingBest for: Eligible card-present
- Simplicity
- Moderate
- Cost Transparency
- Moderate
- Predictability
- High
- Volume Suitability
- Varies
- Card-Present
- Credit cards only
- Online
- Varies
- Compliance Setup
- Yes
- Review Required
- Yes
Tiered PricingBest for: Statement education
- Simplicity
- Low
- Cost Transparency
- Low
- Predictability
- Varies
- Volume Suitability
- Varies
- Card-Present
- Eligible
- Online
- Eligible
- Compliance Setup
- No
- Review Required
- Educational only
Comparison reflects general attributes only. Actual suitability, availability and pricing depend on underwriting, platform, transaction mix and a complete pricing review. Credit card surcharging is available only where permitted and only for credit cards — debit and prepaid cards may not be surcharged. Tiered pricing is included for educational comparison; it is not presented as an available ONKORE pricing program.
Payment methods and ACH pricing
Pricing by Payment Channel
How You Accept Payments Shapes What You Pay
The same business often sees different effective costs across channels. Card-network interchange varies by how a transaction is captured, the type of card used and your customers' card mix — so ONKORE does not publish fixed channel rates. Your actual rates depend on your pricing model, platform and underwriting approval.
Card-Present (Terminal)
Swiped, dipped or tapped at a terminal or POS. In-person capture typically carries lower interchange than card-not-present methods, though your effective cost still depends on your pricing model and card mix.
Manually Keyed
Card details entered by hand, such as phone or mail orders. Keyed transactions are treated as card-not-present and usually carry higher interchange than in-person capture.
Online Checkout
E-commerce payments through your website or hosted store. Card-not-present interchange, gateway features and fraud controls all shape the effective cost of online sales.
Invoices
Invoices sent to customers for later payment by card or ACH. The effective cost of each invoice depends on which payment method your customer chooses and the platform used.
Payment Links
Shareable links for one-off or remote payments without a full checkout. Simple to deploy, with effective cost driven by how the customer pays when the link is opened.
Recurring Payments
Scheduled billing using stored credentials, such as memberships or subscriptions. Cost varies with card mix and plan structure; ACH may be an option for qualifying businesses.
Because channel costs are driven by interchange and your customers' card mix, two businesses in the same industry can see different effective costs. A statement review shows exactly how your channels and card mix interact today.Request a pricing review
ACH Pricing
ACH Is Priced Separately From Card Processing
ACH payments move directly between bank accounts rather than through the card networks. Because the rails are different, ACH is priced separately from card-processing models such as flat-rate or interchange-plus — it is not a card-processing pricing model.
ACH acceptance may be available for your business depending on your platform, business profile and underwriting approval. For merchants with recurring invoices, rent collections or large-ticket B2B payments, ACH can be a lower-cost complement to card acceptance.
The pricing calculator shows illustrative proposed ACH per-transaction fees, not an approved offer. Final ACH pricing, additional charges and settlement timing depend on your transaction profile, platform availability and underwriting approval.
What Shapes Your ACH Quote
- Monthly ACH volume and average transaction amount
- Return and reversal risk for your business profile
- Platform capabilities and integration requirements
- Underwriting approval and program availability
Pricing by industry
By Industry
Pricing Models Commonly Reviewed by Business Type
These are models commonly evaluated for each industry — not a guarantee of availability or a recommendation until a full review is completed.
Restaurants
Models commonly reviewed:
Interchange Plus
Dual Pricing
Cash Discount
Membership Pricing
Custom pricing for multi-location operations
Understand tiered pricing
Statement Education
Understanding Tiered Pricing on Your Statement
Some processors bill transactions in tiers — commonly labeled qualified, mid-qualified and non-qualified. We explain the structure here so you can recognize it when reviewing your current statement.
Educational comparison only. Tiered pricing is explained here to help merchants understand their current statements — it is not presented as an available ONKORE pricing program. Your ONKORE specialist can confirm which programs are available for your business.
Qualified
Transactions that meet the provider's lowest-cost criteria — commonly standard consumer cards processed in the way that provider defines as standard. Billed at the provider's lowest advertised rate.
Mid-Qualified
Transactions that fall outside the provider's standard criteria, such as rewards cards or certain keyed transactions. The provider applies a higher rate than the qualified tier.
Non-Qualified
Transactions billed at the provider's highest rate — for example business or corporate cards, transactions that miss verification requirements, or authorizations captured outside the provider's timing rules.
Tier classifications and rates are determined by the provider, so the same card can be categorized differently under different processors — and the criteria are not always fully disclosed on the statement. This makes tiered statements harder to audit, which is why many merchants request a statement review to identify the structure they actually have.
How ONKORE reviews pricing
The Right Pricing Model Depends on Your 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.
Transparent Pricing Review
We examine your actual processing costs — not just promote a single model.
Business-Specific Recommendations
Recommendations are based on your transaction profile, not a template.
Clear Compatibility Guidance
We explain which models may work with your platform and environment.
No One-Size-Fits-All Approach
Every business is evaluated individually before a structure is recommended.
Our Process
How We Evaluate Your Pricing
Our goal is to recommend a structure based on how your business actually accepts payments — not simply promote one model to every merchant.
01
Review Your Business Model
We evaluate your business type, industry, and how you currently operate to understand your payment environment.
02
Analyze Transaction Volume & Average Ticket
We examine your monthly processing volume and average transaction amount to gauge which structures may fit.
03
Review Payment Channels & Card Mix
We assess how payments flow — in person, online, mobile, or recurring — and the types of cards you accept.
04
Evaluate Your Current Statement
If available, we review your existing merchant statement to identify your current structure and potential alternatives.
05
Recommend an Available Pricing Structure
Based on the full review, we recommend a structure aligned to how your business actually accepts payments.
Request a statement review
Statement Review
Let Us Review Your Current Processing Statement
ONKORE can review your existing merchant statement, identify the pricing structure currently being used and explain which alternatives may be available.
Frequently asked questions
FAQ
Pricing Frequently Asked Questions
Find your pricing.
Get a custom quote or statement review.
Pricing and eligibility vary. Examples are illustrative, not a formal offer.
Pricing disclosures
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.