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Payzium.
Brick and mortar

Keep more of every sale you ring up.

About $8,757 a year back in your business on $50,000 a month in card sales, compared with Square.

Regulated debit flows through at cost, your bill matches the rate card, and yesterday's sales fund today's restock. In a low-margin business, that difference lands on your bottom line.

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  • Interchange at cost, in writing
  • Pay less or it's free
  • Honest Rate Promise
  • No junk fees
Payzium-controlled fees only
A florist hands over a bouquet as her customer taps a phone to pay

Estimate at our published rates; a person runs the same math on your own statement before you sign.

What switching means for your store.

$50,000
$5K$100K$1M
Who processes your cards today?
Kept in your first year

$8,757

About $730 a month back in your business compared with Square, and $26,272 over three years.

How your price is built

At $50,000 a month in card sales

Network costs (interchange and assessments), passed through at cost
$690.53
Payzium margin
$45.75
Payzium per-transaction fees
$71.43
Monthly account fee
$5.00
Your total a month
$812.71
Effective rate
1.63%
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Estimate for a typical profile: 95 percent in person, $35 average ticket, compared with each processor's published US rates. A person runs the same math on your own statement before you sign.

What a US retailer keeps by switching.

Math is for a debit-leaning US card mix at $35 average ticket, 95 percent card-present. Payzium runs the same math on your own numbers before you sign.

Kept a year at $20,000 a month, compared with Square
$3,467
Kept a year at $50,000 a month, compared with Square
$8,757
Kept a year at $120,000 a month, compared with Square
$21,318
Kept a year at $250,000 a month, compared with Square
$44,477

Four cost mechanisms every US independent retailer pays for.

  1. Regulated debit invisible on a flat-rate statement

    US regulated debit under the Durbin Amendment caps issuer interchange at roughly 0.05 percent plus $0.22 per transaction on the issuer side, for regulated card-issuing banks. On a flat-rate processor's 2.6 percent plus $0.15 in-person rate, every debit transaction is billed the credit-card rate regardless. Retail card mixes lean heavily toward debit; the spread between the flat-rate charge and the regulated pass-through is where the largest single savings live.

  2. PCI non-compliance fee cycles

    Standard US retail merchant agreements include a PCI non-compliance fee, typically $99 to $199 quarterly, charged when the merchant has not completed the annual self-assessment questionnaire on the processor's portal. Most independents do not know the portal exists; the fee bills quietly. Payzium includes PCI compliance assistance on the account. No non-compliance fee accrues on Payzium-controlled billing.

  3. Terminal integration and hardware program

    Program A carries the qualifying-device terminal program (Dejavoo Z8, QD4, P1, Valor VL100). Terminal included with no upfront equipment purchase price under that program.¹ Clover placement is a separate program with its own volume pledge and 1-year term, plainly disclosed on the hardware page before boarding.

  4. Monthly minimums and statement fees

    Standard US processor contracts include a monthly minimum fee, typically $25 to $50, charged when processing volume falls below the threshold that would generate that much in discount fees. Plus a monthly statement fee. Plus an account-on-file fee on aged accounts. Payzium does not charge monthly minimums, statement fees, or account-on-file fees. The pricing schedule is the full list of Payzium-controlled billing.

Three US retailers. Three switches.

  • Denver, CO$48,000 per month, 70% debit

    Specialty grocery

    Before: Square USA Free plan.

    After: Payzium, funded the next day, with no junk fees.

    $8,412
    Kept a year
  • Charlotte, NC$85,000 per month, 70% debit

    Hardware and home goods

    Before: Square USA Free plan.

    After: Payzium, funded the next day, with no junk fees.

    $14,928
    Kept a year
  • Providence, RI$22,000 per month, 70% debit

    Boutique apparel

    Before: Square USA Free plan.

    After: Payzium, funded the next day, with no junk fees.

    $3,828
    Kept a year

Illustrative composite. Numbers reflect Payzium's published rates and typical retailers card mix at the stated volumes. Not a real customer case.

See your cost before you switch.

You find out what you are really paying before you commit to anything. No phone calls required.

  1. Within 1 business day

    Find out what you are really paying

    Send one month's statement as a PDF or a photo. Within 1 business day a person shows you, line by line, where your money goes.

  2. Before you sign

    Know your cost before you sign

    Your pricing program and your device are confirmed in writing first, so there is nothing to discover later.

  3. Every business day after

    Start selling, with the switch paid for

    Your terminal arrives ready to go, and up to US$1,000 covers the cost of switching. From then on, today's sales land tomorrow.

Board on the pricing program that fits your counter. Program A drops in behind any US POS with an open payments integration. If the POS is bundled, Program A boards against the qualifying-device terminal program instead. The Payzium hardware page carries the terms plainly before boarding.

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FAQ

Frequently asked questions

Why is a debit swipe charged at the credit-card rate on my current statement?

Flat-rate US processors charge the same in-person rate on every card regardless of underlying interchange cost. Regulated US debit interchange under Durbin sits far below the flat card-present rate. On interchange-plus the actual cost of a debit swipe passes through as its own line and Payzium's card-present margin sits on top.

Will I have to replace my terminal?

Depends on the terminal. Bundled-POS hardware (Square, Clover boarded to a specific processor) is boarded to the platform. Standalone US terminals from open manufacturers can sometimes be reprogrammed depending on the model. The Payzium hardware page lists the qualifying-device program terms; Clover placement runs as a separate disclosed program.

I am mid-contract on a terminal lease. Can I switch anyway?

Yes. The lease and the merchant account are legally separate contracts; closing a merchant account does not close a hardware lease. The lease continues under its own terms. The switch analysis on the boarding conversation weighs the ongoing lease against the rate savings on Payzium.

How fast can I go live?

Standard file, standard state, standard concept: boarded to processing within a business week from clean documents. Concepts that need extra risk review (age-restricted goods, high-risk merchant category codes) take longer; the boarding conversation covers that at Program A election.

What is Pay less or it's free?

Payzium's US Savings Guarantee. If Payzium cannot lower the merchant's eligible processing cost against the merchant's prior baseline over the guarantee period, Payzium refunds or waives the Payzium fees covered by the guarantee. Approved eligible switching costs are reimbursed up to US$1,000. Requires documentation and approval. The written instrument is the governing document.

Eligible Payzium-controlled processing cost only. Interchange and network fees excluded.
What about the PCI compliance fees on my current statement?

Payzium includes PCI compliance assistance on the account. The self-assessment questionnaire is the only thing standing between a US retail merchant and the elimination of most PCI non-compliance line items. The fee stops accruing the quarter after the SAQ is complete.

Your rate, on your numbers. See it, then decide.

Run the calculator with your monthly volume. Read the published rate card. Then apply. No commissioned rep will call.

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