Pay less or it's free · The Honest Rate Promise

Payzium-controlled fees only

Most US processors keep 1.5% to 2.5% of every sale.^*

We publish 0.30%. The difference is yours.

Merchant processing for independent US businesses. Interchange and card-network fees passed through at cost, plus $0.05 per card transaction and a $5 monthly account fee disclosed up front.

A cafe owner in an apron stands at his counter, looking at the camera with a warm smile.

Check my rate See pricing

In card processing since 20141-844-729-9486

Zero margin on debit. 0.30% on card-present credit, 0.40% on card-not-present credit. Payzium's margin applies to credit volume only. Debit runs at interchange cost plus $0.05 per transaction. Four-tier schedule published on the page. Drops automatically as your monthly card volume scales. Written into your contract.
The Honest Rate Promise. 'If we ever charge a junk fee, we refund it twice.' In writing, on every account.
Pay less or it's free. If your eligible processing cost does not go down under the written US Savings Guarantee, we refund the Payzium fees covered by the guarantee and pay up to US$1,000 to help you switch back.^†
Posted pricing. No quote, no negotiation, no commissioned salesperson will call. The price on this page is the price every merchant pays in your tier.
Self-serve application. Our people cannot upsell you, because the price is public. Your rate is the same whether you sign yourself or with our help.
No junk fees. No PCI fee, no monthly minimum, no statement fee, no batch fee. Every fee you pay is on the pricing schedule.

Read the full promise Read the full guarantee

Backed personally by Maurizio Verrelli, founder. If anything breaks, email me: maurice@payzium.com^‡.

$0 upfront

Terminal included

Posted pricing

Terminal included refers to a zero-cost rental. The device remains the program's property (a rental, not a gift); return within 30 days if the account closes, or a replacement fee applies. A $5 monthly account fee applies. Eligibility, approval, and program terms apply.

*Industry margin range based on publicly disclosed merchant pricing from major processors and published industry coverage including CardFellow, PYMNTS, and Mercator Advisory Group. Bundled and tiered processors typically charge effective rates between 2.5% and 3.6% on card-present transactions; the 1.5% to 2.5% figure represents the processor's margin portion within that range. Your actual savings depend on your current pricing structure and card mix.

†Baseline captured from statements you submit at boarding. Comparison window is the first three full statement periods after boarding under Payzium. Refund issued under the written US Savings Guarantee.

‡Founder accountability for guarantee disputes and unresolved issues. Day-to-day support is handled by the merchant success team.

see what you will pay

Move one slider. See your rate and your savings.

Real US Visa and Mastercard interchange schedules, our 0.30% card-present margin, and what the same profile costs elsewhere.

Quick presets

Your monthly card volume

$40,000/mo

$5K$100K$500K$1M$5M+

Or type a precise value:

Channel mix

100% in-person0% online or keyed

All online50/50All in-person

Card mix

Mostly creditMostly debitI do not know

Estimated effective rate

1.70%all-in

Estimated total monthly bill: $681.07. On Tier 1 pricing. Typical tiered processors run 2.5% to 3.6% all-in.

Card-network cost (pass-through volume)$564.07
Interchange 1.280% plus assessments 0.130%. Set by Visa and Mastercard, not by Payzium.
Payzium margin$72.00
0.30% on credit volume, automatically lower as you scale. Card-not-present adds 10 basis points.
Per-transaction fees$40.00
5 cents per card transaction, at every channel and every tier.
Monthly account fee$5.00
Flat, all tiers.

Open account Questions about your rate? Speak with us

Calculator output is an estimate. Final pricing depends on your actual card mix, current network rates effective on the date of your transactions, and any optional add-ons. The model assumes an average transaction value of $50. Visa and Mastercard revise their US interchange schedules twice a year; this calculator reflects schedules effective April 2026.

What you would pay elsewhere

Assumes $50 average ticket. Real US Visa and Mastercard interchange schedules. Your actual rate varies by card mix and channel.

Square

2.6% + $0.15 CP. 3.3% + $0.30 CNP. Free plan

You'd pay $1,160/mo on Square.

$479saved / month

$5,747 / year

Square charges 2.6% + $0.15 on card-present and 3.3% + $0.30 on card-not-present, blended across every card type. For merchants with a typical US card mix, interchange-plus with a published margin nearly always beats the blended rate above about $10,000 per month in volume.

See full Square comparison

Stripe

2.7% + $0.05 CP (Terminal). 2.9% + $0.30 online

You'd pay $1,120/mo on Stripe.

$439saved / month

$5,267 / year

Stripe charges 2.9% + $0.30 on online payments and 2.7% + $0.05 in person through Terminal, blended across every card type. Interchange-plus with a published margin nearly always beats the blended rate as volume grows, before Stripe's per-feature add-ons stack on top.

See full Stripe comparison

Toast

2.49% CP (Traditional plan). Online rate not published

You'd pay $996/mo on Toast.

$315saved / month

$3,779 / year

Toast publishes a 2.49% card-present rate on its Traditional plan (hardware bought upfront, software monthly) and 3.09% on every transaction on Pay-as-you-Go; its online-order and keyed rate is not published and is quoted per restaurant, so the card-present rate is applied to all volume here. Software plans are separate and are not included in this processing comparison.

See full Toast comparison

the fees we won't charge

The four-letter word the industry won't say.

An average merchant statement contains 7 to 12 line items that don't go to interchange. Most are extracted from merchants who never bothered to read. Here's the list, marked $0.

Statement fee

A.K.A. Paper statement

$9.95/mo

Compliance fee

A.K.A. PCI assessment

$19.95/mo

Annual fee

A.K.A. Membership

$149/yr

Monthly minimum

A.K.A. Processing min

$35/mo

+ 4 more the industry invented

Batch fee

Gateway access

Non-qualified surcharge

Regulatory recovery fee

so how do we make money?

We charge for one thing.
The rate. That's the whole list.

Most processors run a stack of revenue streams. We run one. It keeps the incentive aligned, and the math easy.

100%

From the rate

Every dollar of Payzium's revenue comes from the spread between interchange and the rate you pay. No padding, no riders.

$5/mo

Our one monthly fee

Five dollars a month, printed on the homepage. That is the entire monthly-fee list. No PCI fees, no statement fees, no batch fees, no gateway access fees. Every processor charges a monthly fee; most bury it in the rate where you never see it.

From hardware markup

We pass terminal costs through at our wholesale rate. We don't make money on the box. We make money when the box makes money for you.

a note from the founder

I'm Maurizio Verrelli. I founded Payzium. Here is the honest reason it exists.

Every card processor makes the same quiet bet: that you will not read your statement. They show you a clean rate on the website, then bill you for things you never agreed to. PCI fees. Statement fees. A monthly minimum. Small lines, designed to be small enough that you do not ask. That is not bad luck. That is the business model. Confusion is the product.

Payzium is built the opposite way. We publish our rates. We pass interchange and card-network fees through at cost, and we keep a flat margin you can read on the page. Your Payzium pricing is set out in your agreement, in writing, before you sign. That is the whole point.

And we put it in writing. If we ever charge a junk fee, we refund it twice. That is the Honest Rate Promise. And if the part of your cost we control does not go down in your first ninety days, the Payzium fees covered by the guarantee come back. We do not set interchange, so I will not pretend to guarantee it. Pay less or it's free.

I am not going to tell you Payzium is for everyone. If your numbers do not move, I will tell you to stay put.

Payzium Corp is a Delaware corporation. This is a real company with a real name on it, and the name is mine.

Apply online. See your real rate. No commissioned rep will call. And if anything breaks, email me. maurice@payzium.com. I read it.

Maurizio Verrelli

Founder, Payzium Corp

built for

The rates are flat. The setup isn't.

Restaurants need tip adjustment. Salons need pre-auth holds. Auto shops need invoicing. Same published margin across every vertical. Different software defaults out of the box.