Understand What You're Actually Paying.
A low advertised rate can sound attractive, but it doesn't always tell you what your business will actually spend. How transactions are priced, the cards your customers use, additional fees and the technology surrounding your account can all affect your true processing cost.
We help you look beyond one number, understand the complete picture and compare the payment structure that makes sense for the way your business operates.
The Rate You're Quoted Isn't Always the Rate You Pay.
Some pricing structures classify transactions into categories—commonly described as qualified, mid-qualified and non-qualified. The attractive rate a merchant is quoted may apply only to certain transactions, while other card types and transaction methods land in higher-cost categories.
Different card types, transaction methods and account fees can cause your actual overall processing cost to be quite different from the advertised number. That's why the rate on a flyer rarely matches the total on your monthly statement.
Pricing Structure
How the account is structured—tiered, flat-rate or interchange-plus—affects the final cost of every transaction.
Card & Transaction Mix
Different cards and transaction methods—rewards, corporate, keyed-in vs. swiped—can carry different underlying costs.
Additional Fees
Monthly, transaction, gateway and other applicable charges can add up and affect the total you actually pay.
Technology Costs
POS software, equipment and related services should be considered alongside processing—not viewed in isolation.
That's why we prefer reviewing the complete processing setup instead of selling a merchant on one attractive number.
There Isn't One Best Pricing Model for Every Business.
Some businesses value simplicity. Others want greater transparency and control. Some want to reduce the processing expense they absorb, while others want to explore ways payments can create additional value.
A simple and predictable pricing structure that can make processing easy to understand and budget for. For some businesses, simplicity and convenience may be more important than optimizing every transaction individually.
A traditional pricing structure that separates underlying interchange and applicable network costs from the processor's markup, giving merchants greater visibility into how their processing costs are structured.
For businesses interested in reducing or offsetting eligible card-processing costs, properly configured dual pricing can provide customers with clearly presented payment choices.
For qualifying businesses looking beyond traditional processing economics, Prime49 provides another way to think about the role payments can play in the business.
Explore Prime49We Start With Your Business—not a Rate Sheet.
Two businesses processing the same monthly volume can have very different transaction mixes, technology needs and operating priorities.
Our job isn't to force every merchant into the same pricing model. We look at how you accept payments, what you're currently paying, the technology you need and what matters most to your operation. Then we help you compare the available options.
The Cheapest Rate Isn't Always the Best Business Decision.
Payments don't operate in isolation. POS technology, software, integrations, customer experience, support and workflow can sometimes create far more value than a small difference in processing cost.
Sometimes the right answer is more competitive traditional pricing. Sometimes it is dual pricing. Sometimes better technology creates more value than shaving a few basis points from processing. That's why PPT Southeast looks at Technology, Payments, Growth and Support together—not simply one processing number.
What If Processing Could Pay You Back?
For qualifying businesses, Prime49 offers another approach that can go beyond simply reducing or offsetting eligible processing costs and create the opportunity for payments to contribute back to the business.
Let's Look at What You're Actually Paying.
Have a recent processing statement? We'll help you understand your current setup, identify what is actually driving your processing cost and compare the payment structures available for your business.