Pay less or it's free · The Honest Rate Promise
Merchant processing for independent US businesses. Interchange and card-network fees passed through at cost. Payzium's margin applies to credit volume only: 0.30% on card-present, 0.40% on card-not-present, the same for every merchant in your tier. Zero margin on debit. Plus $0.05 per card transaction and a $5 monthly account fee disclosed up front. Apply online. Your rate is the same whether you sign yourself or with our help. No junk fees.
$40,000/mo, in person, mixed cards, estimate
A typical $40,000-a-month US merchant pays 1.70% all-in on card-present transactions. Interchange and card-network fees at cost, plus a 0.30% margin and the flat $5 monthly account fee.
Run the numbers on your own profile →
Backed personally by Maurizio Verrelli, founder. If anything breaks, email me: maurice@payzium.com‡.
United States
*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.
Real US Visa and Mastercard interchange schedules, our 0.30% card-present margin, and what the same profile costs on Square USA.
Estimated total monthly bill: $681.07. On Tier 1 pricing. Typical tiered processors run 2.5% to 3.6% all-in.
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 USA
2.6% + $0.15 CP. 3.3% + $0.30 CNP. Free plan
You'd pay $1,160/mo on Square USA.
$5,747 / year
Square USA 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 USA comparisonThe Square teardown
- Card-present surcharging
Pass the credit card fee to the customer where allowed. You keep 100% of the sale. Standard debit rates still apply. Compliant with the major card networks.
No commission baked into your rate, no padded interchange, no surprise tier shuffling. The rate you see is the rate you pay, every transaction, every month.
We hold our own processing agreement, not a sub-reseller's sub-reseller. One less intermediary, one less margin layer. You pay closer to wholesale.
Traditional processors bake 30 to 50 bps of sales commission into your rate. We don't. No one here is paid to mark you up. The savings stay with you.
We don't make money on PCI fees, statement fees, batch fees, or gateway access fees, because we don't charge them. Our margin sits in the rate, plain to read.
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
$0Compliance fee
A.K.A. PCI assessment
$19.95/mo
$0Annual fee
A.K.A. Membership
$149/yr
$0Monthly minimum
A.K.A. Processing min
$35/mo
$0+ 4 more the industry invented
Batch fee
$0Gateway access
$0Non-qualified surcharge
$0Regulatory recovery fee
$0Every fee above is marked $0 because we're contractually bound not to charge it. If we ever do, the policy is simple: we'll refund it twice.
Certificate of no junk fees
We charge for the rate. That is the entire list. If we ever charge for anything else, we will refund it at twice the amount, within 14 days, no questions asked.
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.
Baseline is your prior 90 days of eligible processing cost, measured from statements you submit at boarding. Comparison window is the first three full statement periods after boarding under Payzium. One claim per merchant.
Read the full guaranteea 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. The price on the page is the price on your statement. You can check it line by line. 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 your eligible processing cost does not go down under the written US Savings Guarantee, every Payzium fee covered by the guarantee comes back. 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
so how do we make money?
Most processors run a stack of revenue streams. We run one. It keeps the incentive aligned, and the math easy.
Every dollar of Payzium's revenue comes from the spread between interchange and the rate you pay. No padding, no riders.
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.
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.
Four qualifying devices included with the account. A separate Clover placement program covers the full Clover lineup for merchants who need Station, Mini, Flex, kitchen display, or kiosk. Every term disclosed on the page before you sign anything.
Four qualifying devices
Real photo coming
4 qualifying devices, no upfront equipment purchase price on the account. A $5 monthly account fee applies. Eligibility, approval, and program terms apply.
Clover placement
Real photo coming
Full Clover lineup under a separate placement program: Station, Mini, Flex, kitchen display, kiosk. Volume pledge and 1-year term apply. Every term disclosed on the placement page.
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.
E-commerce
E-commerce
Accounting
BigCommerceE-commerce
E-commerce
E-commerce
Online ordering
POS
the last thing
Run the calculator with your monthly volume. Read the published rate card. Then apply. No commissioned rep will call.