Payment Processing
We have relationships with multiple direct processors. This relationship gives us the unique ability to put your contract out for bids to obtain fair and honest pricing, while still adding benefits such as local customer service, and quick convenient enrollment. Below you'll find a list of the types of processing we offer as well as a description of each type and how to apply.
Traditional Processing with Interchange Plus Pricing:
Interchange-plus pricing is an honest and transparent pricing model that gives you, the merchant, control over the cost of processing. Interchange-plus is a pricing model used by Circle Solutions to determine the per-transaction cost paid by you, the merchant. With this pricing model, your monthly statement shows the exact cost of accepting cards charged by the card issuers (Visa, Mastercard, American Express, etc.) as well as the charge for processing each card. With this in mind, you can decide whether or not this is a fair markup.
For Interchange plus pricing, please submit a recent statement below. Someone will reach out to you with an analysis and a competitive pricing offer, usually within 24 hours:
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Upload Processing Statement Below:
Surcharge/Cash Discounting:
Surcharge, also sometimes referred to as cash discounting, helps cover most or all of your processing fees, in turn reducing your operating costs, and freeing up funds to spend elsewhere.
A 4% per swipe fee automatically added to each transaction on the terminal covers the processor fee of 3.85%.
It only takes a few minutes to complete the application, and most approvals are typically less than 24 hours.
To sign up, fill out an application below:
High Risk Processing:
Have you been shut down, or did your processor put a hold on funds because the processor has deemed you a high-risk merchant?
A high-risk merchant account is a merchant account given to a business that processors deem to be at greater risk of frauds and chargebacks. Payment processors make that determination based on factors, such as the nature of the business or services, its financial history, and its location.
A few examples of high-risk merchants would be businesses that offer Gambling, Multi-level marketing opportunities, Travel agencies, Credit repair services, and more.
Because of our relationship with multiple processing platforms, we can get your business up and running and accepting cards in no time.
To get started, please reach out to our high-risk department at HighRisk@CircleServ.com
Flat Rate Processing:
Flat rate processing is a processing model that charges a flat rate for each transaction. A well-known example of this is Paypal and Square. It simplifies fees to one overall percentage rate. This pricing model can work great for new startup businesses or businesses that don't process more than $5,000/month.
For some businesses, such as coffee shops with a lower average ticket cost, flat-rate pricing can be very costly. To determine if flat-rate pricing would work well for your business, start a conversation with our pricing team at Analysis@CircleServ.com