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Merchant Services Pricing for Card Processing

Practical pricing for small businesses

Making it easier to estimate your monthly processing costs

As a small business owner, it’s crucial to understand your expenses so you can manage your bottom line. We’re making it easier for you to estimate what your debit and credit card processing costs could be in a typical month.

No application fees, no monthly minimums, and no early termination or cancellation fees. Terms and conditions apply, so be sure to read your contract for full details.

How to estimate your monthly merchant services costs

Part 1: Flat monthly service fee

A predictable service fee that’s calculated based on the way you process debit and credit card transactions.

View monthly fee details

Part 2: Per-transaction rate

A per-transaction rate that’s the same for all types of cards.

View transaction rate details

Part 3: Point-of-sale (POS) device costs

When using a POS device, there may be additional costs for software, apps, or wireless access.

View point-of-sale details

Part ⁠1: Flat monthly service fee

If you take payments ...
Monthly service fee
In person (tap, dip, swipe) via terminals or Clover solutions.
$9.95 per location
Through your website’s shopping cart via our® e-commerce solution. Additional terms and conditions apply for this service.
By entering information into a virtual terminal via your web browser or by sending a digital invoice. Includes using your own certified virtual terminal solution or a virtual terminal purchased through Wells Fargo. E-commerce payment processing not included.
Through a third-party hosted software solution that enables you to accept payments through your shopping cart, point-of-sale software or a web browser. Includes using your own software solution.

What the monthly service fee covers:

  • Reporting and analytics
  • 24/7 support
  • Advanced risk and fraud monitoring
  • Dispute management
  • Payment gateway access (if you choose e-commerce payment processing)

⁠Part 2: Per-transaction rate

Your cost per transaction won’t change based on the type of card your customer uses. The rate you’ll pay is based on:

  • Business type: whether you accept most of your payments from consumers or from other businesses
  • Whether your customer’s card is physically present or not
  • Total monthly sales volume of the card transactions you process

As your sales grow and you meet the minimum for a lower rate in any given month, your rate will be automatically adjusted for the month.

Business to consumer (B2C) transaction fees

B2C merchants include restaurants, retailers, health practitioners, and any businesses that accept most payment methods from consumers. 

Your cost per transaction, based on the total dollar amount of card purchases you process in a month:

Total monthly processing volume
Per tap, dip, swipe transaction
Per online or keyed-in transaction
$0 - $14,999.99
2.60% + $0.15
3.40% + $0.15
$15,000 - $39,999.99
2.40% + $0.15
3.20% + $0.15
$40,000 & up
2.20% + $0.15
3.10% + $0.15

Business to business (B2B) transaction fees

B2B merchants include distributors, medical/dental suppliers, industrial suppliers, and any businesses that accept most payments methods from other businesses. 

Your cost per transaction, based on the total dollar amount of card purchases you process in a month:

Total monthly processing volume
Per tap, dip, swipe transaction
Per online or keyed-in transaction
$0 - $14,999.99
2.60% + $0.20
3.99% + $0.20
$15,000 - $39,999.99
2.50% + $0.20
3.75% + $0.20
$40,000 & up
2.40% + $0.20
3.50% + $0.20

Part ⁠3: Point-of-sale device costs (if applicable)

We offer point-of-sale terminals and portable devices that allow you to accept payments onsite, online, or on the go.

Availability of certain software plans, apps, wireless access or functionality may vary based on your selected equipment or industry. These options can have associated fees which will impact your typical monthly expenses.

Ready to take payments from your customers?

Consult a Merchant Services specialist

If you aren’t eligible to apply online, have more than one location, need multiple devices, or need help assessing your payment processing needs, please call 1-866-380-9828.

Custom pricing

Custom pricing (Interchange Plus) is also available for select businesses. Some merchants may prefer Interchange Plus pricing, which includes processing rates based on what the card payment networks’ (Visa, Mastercard, etc.) charge per transaction. Rates can vary from transaction to transaction.

Call us at 1-888-904-9044 or contact your Merchant Services specialist for more information.

Per online or keyed-in transaction

When customers are on the phone or on your website, a transaction is completed by keying in the card number in the device or online through an e-commerce gateway.

Per tap, dip, swipe transaction

When customers are at your location, they pay by swiping a card, dipping/inserting a chip card, or tapping/waving a contactless card or phone above the device. Contactless and mobile wallet payments include Apple Pay®.

Total monthly processing

Monthly processing volume is the total dollar amount of credit/debit card transactions you process in all of your merchant locations in a month including Visa, Mastercard, Discover, American Express, and PIN debit.

To apply online, your business must have:

If you don't meet these criteria, our Merchant Services specialists can help all other businesses apply offline at 1-866-380-9828.

Clover devices with entry-level Clover Payments software also allow you to take payments through a web browser or mobile app and email invoices.