The markup you sign is the markup you keep
Rate creep is the industry's quietest revenue model: a few basis points a year, never announced, rarely noticed. The Rate Lock is our written commitment that it will not happen to your account.
Markup fixed in writing
Your margin is stated in basis points on the agreement itself. It cannot move without your written consent.
Reviewed quarterly
We recalculate your effective rate every quarter and send it to you whether it is good news or not.
Credited back if we slip
Unexplained drift gets corrected and refunded. No dispute process, no ticket queue.
The costs nobody controls, and the ones everybody does
Honest pricing starts with admitting which fees are genuinely fixed.
Not controllable: interchange set by issuing banks, card-brand assessments, network access fees, and regulatory fees. These are identical for every processor and change on published schedules in April and October.
Entirely controllable: the processor markup, statement fees, PCI fees, monthly minimums, batch fees, annual fees, "regulatory compliance" fees, and how aggressively downgrades are prevented. This is where your money is.
The Rate Lock, in five lines
- Markup stated in basis points on your agreement
- No change without your written agreement
- Pass-through changes disclosed in writing before they take effect
- Effective rate recalculated and sent every quarter
- Unexplained increases corrected and credited
Guarantee questions
It means our margin cannot change without your written agreement. Card-brand interchange and assessments are set by Visa, Mastercard, Discover, Amex and Interac and change twice a year for every merchant on earth — those pass through at cost, in both directions.
Tell us, or wait for the quarterly review to catch it. If the increase is not explained by a published card-brand change or a genuine shift in your own card mix, we correct the pricing and credit the difference back.
It is written into your merchant agreement as a rate-lock clause with the markup stated in basis points. Ask for it during onboarding and read that clause specifically.
Send us their written offer. If it is genuinely lower on total cost — not just on the headline rate — we will either match it or tell you to take it.
Every fee named in 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.