Honest Rates.
Zero Surprises.
We don't publish generic rates because they'd be misleading. Your rate is built around your business — get a real quote in under 24 hours, completely free.
No Hidden Fees
Full pricing transparency, always
No Setup Costs
Free application, zero onboarding fees
Secure Processing
PCI DSS Level 1 compliant
Dedicated Support
Real humans, not chatbots
Trusted by 1000+ high-risk merchants worldwide. Our team has 15+ years of payment processing expertise.
One-size-fits-all pricing doesn't exist in high-risk
A CBD brand processing $50k/month and a gaming platform doing $2M/month have wildly different risk profiles. Publishing a single rate for both would either cost you money or get you rejected at the bank.
Instead, we analyze your specific business, match you with the right acquiring bank from our network of 30+ partners, and negotiate the best possible rate for your exact situation. Check our industry-specific solutions to see how other merchants in your vertical are structured.
What you'll always get:
- Interchange-plus pricing (no bundled tricks)
- Full fee breakdown before you sign
- No setup fees or application costs
- Rate locked in writing — no surprise increases
1.49% – 2.49%
+ interchange · SaaS, ecommerce, standard retail
2.49% – 3.49%
+ interchange · Nutraceuticals, subscriptions, travel
3.49% – 4.99%
+ interchange · CBD, adult, forex, crypto, gaming
Indicative ranges only. Your exact rate depends on volume, history, and industry. Get a precise quote free.
What Shapes Your Rate
Six key factors our underwriters analyze — and all of them can work in your favor.
Industry & Risk Level
Different verticals carry different risk profiles — we find you the best-matched bank.
Monthly Volume
Higher volumes qualify for better interchange-plus rates.
Geographic Markets
Domestic vs. international processing costs differ — we optimize both.
Chargeback History
We work with merchants at all chargeback levels, even above 3%.
Business Tenure
Established businesses may receive preferred terms and higher limits.
Business Model
Subscription, one-time, or mixed — we structure your MID accordingly.
From Apply to Approved in Hours
Our streamlined process gets you approved the same day — faster than any high-risk processor you've dealt with before.
Submit Application
Complete our streamlined online form with your business details and documents.
Underwriting Review
Our team reviews your business and matches you with the optimal acquiring bank.
Bank Submission
Your application is submitted to pre-qualified banks in our network.
Approved & Live
Receive your custom terms, sign agreements, and start processing payments.
What You'll Need to Apply
Standard documents — most merchants have everything ready in under 30 minutes.
Your documents are secure. All submissions are encrypted and handled under strict confidentiality. Additional documents may be requested for specific industries.
How much can high-volume merchants save switching from Stripe?
At $500k/month, Stripe costs ~$14,500. GetPayment IC+ (avg 2.2%) = ~$11,000/month. Savings: ~$42,000/year. Calculation: Stripe 2.9% + $0.30, GetPayment averages from 1000+ merchants (2025–2026)
What's the difference between interchange-plus and flat-rate?
Flat-rate (Stripe 2.9%) hides actual costs and profits from high-volume merchants. Interchange-plus shows exact card network costs + processor markup, allowing negotiation and optimization. Source: Visa/Mastercard official fee schedules
Do lower rates mean lower authorization rates?
No. GetPayment customers average 94%+ auth rates vs. Stripe's ~88% industry average—better routing and bank relationships improve both. Source: GetPayment client data, Stripe public documentation
Can rates decrease over time?
Yes. As you build processing history and lower your chargeback ratio, we can negotiate better rates. Many merchants see 0.2-0.5% rate reductions after 6-12 months.
Pricing FAQs
No vague answers — just straight talk.
Understanding Payment Processing Pricing Models
Most high-risk merchants are familiar with flat-rate or bundled pricing models offered by processors like Stripe or PayPal. These models hide the actual cost of interchange, assessments, and markups behind a single percentage, making it impossible to optimize.
Interchange-plus pricing separates these costs, giving you complete visibility into how much each transaction costs. This transparency allows you to negotiate processor markups and identify opportunities to reduce your overall effective rate.
How Interchange-Plus Pricing Works
Interchange-plus (IC+) breaks down your payment processing fees into three components:
1. Interchange Fees (set by Visa/Mastercard)
These vary by card type (credit vs. debit), transaction type (e-commerce vs. in-person), and industry. Typical range: 1.49% – 2.99%. Source: Official Visa Interchange Fee Schedule, Mastercard Assessment & Fees (2026)
2. Network Assessments & Fees (set by card networks)
Fixed fees charged by Visa and Mastercard per transaction. Usually 0.10% – 0.30% of volume. Source: Official Visa/Mastercard fee schedules
3. Processor Markup (negotiable)
GetPayment's fee on top of interchange and assessments. This is where you can negotiate savings based on volume and risk profile. Verified by our 1000+ merchant portfolio average effective rates
Why High-Volume Merchants Should Switch to Interchange-Plus
- ✓
Full fee transparency from day one
See exactly what interchange, assessments, and processor markup you're paying each month.
- ✓
Negotiate lower processor markups
Larger volumes and lower-risk profiles give you leverage to reduce markups from 0.5% to 0.1%.
- ✓
Optimize interchange qualification
Improve data quality to qualify for lower interchange rates. Even 0.1% savings add up at scale.
How Much Can You Save?
For a merchant processing $500k/month on Stripe's 2.9% + $0.30 flat rate, switching to interchange-plus can save 30–50% depending on card mix and transaction type. Data based on 1000+ GetPayment merchant accounts (2025–2026)
Example: $500k/month at 2.9% flat = $14,500/month. With IC+ (avg 2.2%), you'd pay ~$11,000/month. That's $42,000/year in savings — money that goes straight to your bottom line.
How We Calculate Savings:
GetPayment savings estimates are based on: (1) Actual interchange rates from Visa/Mastercard (2026), (2) Real processing volume & card mix from our active merchants, (3) Stripe's published 2.9% + $0.30 standard rate. Individual results vary; request a free fee audit for your exact numbers.
Learn More About Payment Processing
Industry Solutions
Specialized processing for CBD, adult, gaming, forex, crypto, and more.
Explore industries →Features & Solutions
Fraud prevention, chargeback protection, multi-currency, and more.
View solutions →Get Your Real Rate — Free
Submit your application today. We'll review your business and send you a custom quote with full fee transparency — no obligation, no pressure.
⚡ Most quotes delivered within 24 hours
No credit card required · No setup fees · Response within 24 hours