The other US processors, honestly compared.
Every page below reads the competitor's own published pricing and compares it against Payzium's Program A (interchange-plus) and Program B (dual pricing). Figures are stamped with a verification date; when a rate is not consistently surfaceable from the vendor's own site under a plain fetch, we say so.
Your volume, against the processors you know.
$4,841
About $403 a month back in your business compared with Square, and $14,522 over three years.
How your price is built
At $40,000 a month in card sales
- Network costs (interchange and assessments), passed through at cost
- $639.62
- Payzium margin
- $72.00
- Payzium per-transaction fees
- $40.00
- Monthly account fee
- $5.00
- Your total a month
- $756.62
- Effective rate
- 1.89%
Estimate on Payzium's published US rate card and live US Visa and Mastercard interchange schedules, $50 average ticket. Competitor figures from each processor's published US rates. Final pricing depends on your actual card mix and current network rates.
Flat-rate platforms
Savings figures are estimates at $40,000 per month, 100% card-present, blended card mix, $50 average ticket, against real US Visa and Mastercard interchange schedules. Your actual rate varies by card mix and channel.
- Payzium vs
Square
Square wins on ease of setup and a friendly Reader for the smallest merchants. Payzium wins when the transaction volume is regular enough that a published margin costs less than a blended flat rate.
Read the comparison: Square- Square in-person Free plan
- 2.6% + $0.15
- Saved at $40K volume
- $403/mo
- Payzium vs
Stripe
Stripe wins on developer surface, subscriptions, and pure-online commerce. Payzium wins for merchants who ring most sales at a physical counter.
Read the comparison: Stripe- Stripe in-person (Terminal)
- 2.7% + $0.05
- Saved at $40K volume
- $363/mo
- Payzium vs
Toast
Toast wins for restaurants that want an all-in-one POS with kitchen tickets, online ordering, and staff scheduling built in. Payzium's published pricing wins when the restaurant has (or wants) its own POS software and needs a published, honest merchant rate.
Read the comparison: Toast- Toast card-present, Traditional plan
- 2.49%
- Saved at $40K volume
- $239/mo
- Payzium vs
Clover
Clover wins as a full countertop POS with a familiar interface and a strong app marketplace. Payzium wins for merchants who want a lower, published card rate on the same-shape Clover hardware.
Read the comparison: Clover- Clover tapped, lowest published plan
- 2.3% + $0.10
- Saved at $40K volume
- $243/mo
Interchange-plus peers
- Payzium vs
Helcim
Both Payzium and Helcim publish interchange-plus. Helcim's published margin at low volume is competitive; Payzium's four-tier structure and dual pricing program shape the tradeoff at different band edges.
Read the comparison: Helcim- Helcim in-person, first band
- 0.40% + $0.08
- Payzium Tier 1 in-person
- 0.30% + $0.05
On a different processor?
Square, Stripe, and Toast each have a full comparison above. If you're on Clover, Helcim, Worldpay, Elavon, or anyone else, the same interchange-plus math applies.
Open an account online. The rate structure is the same regardless of who you're leaving: interchange at cost, a published margin that steps down as volume grows, and dual pricing as a published program.
Honest math.
Decide from there. Program A passes interchange through at cost and adds a published margin. Program B is dual pricing, published the same way. No setup fee, no PCI fee, no monthly minimum, no junk fees.
Reading a statement line you do not recognize? Look it up in the Statement Fee Decoder.