Rates & Pricing
At Billion Financial, we believe merchants deserve clarity when it comes to payment processing. Below are the four primary pricing structures we offer—each tailored to fit different business models, transaction volumes, and customer behaviors.
Interchange Plus Program
Also known as Cost-Plus Pricing
This is the most transparent and widely used pricing model among experienced merchants. You pay the actual interchange fee set by the card networks (Visa, Mastercard, Discover, Amex), plus a fixed markup that covers the processor’s cost and profit.
BEST FOR
Medium-to-Large Sized Businesses
SaaS Platforms
Flat Rate Program
One rate, all cards, every time
This pricing model charges a fixed percentage for every credit or debit card transaction, regardless of the type of card or how it’s used (chip, swipe, online).
BENEFITS
Easy to understand
Simple setup
Small business friendly
Cash Discount Program
Encouraging cash, reducing card processing costs
This model allows you to offer a discount to customers who pay with cash, while pricing card transactions slightly higher to offset your processing fees.
Surcharge Program
Passing credit card fees to customers—legally and transparently
The surcharge model allows you to add a small fee (usually 1.5 – 4%) only to credit card transactions to cover the cost of processing. Debit card transactions must remain exempt by law.