Two ways to start. No junk fees.
Pick one of 150 ready-made editions: Basic is $99/mo, and while you process with Merch FinTech we credit it back on your monthly processing statement. Or have us build your workflows from $1,999 one-time, then run on any plan. Processing is priced two ways, both shown on your statement.
Pick an edition, or have it built
Both run on the same platform and the same processing. The difference is how much of the setup is yours from day one.
Three plans, one ladder
Every plan includes your edition, payments and support. Basic is credited back while you process with us. Pro is credited back at higher processing volumes; send a statement and we tell you where your volume lands.
- CRM & contacts
- Online booking & calendars
- Invoicing & payments
- 2-way texting & shared inbox
- Forms
- One website and a client portal
- 2 users
- Everything in Basic
- Email & SMS marketing
- Workflow automation
- AI receptionist
- AI workflow builder
- Funnels & landing pages
- Reviews & reputation
- Memberships & courses
- Unlimited users
- Priority support
- Everything in Pro
- Multi-location, unlimited sub-accounts
- Advanced reporting
- Dedicated onboarding & account manager
- SLA
Prices are per account. Usage (SMS, calls, AI, WhatsApp, email volume) is billed from a transparent wallet; see add-ons below. A custom build runs on any of the three plans.
How "on us" works. Basic is $99/mo. While you process with Merch FinTech we credit it back on your monthly processing statement, so the software is on us. Pro is credited back at higher processing volumes; send a statement and we tell you where your volume lands. Send a statement →
Usage, priced plainly
Messaging and AI are billed from one wallet. The rate for every item is shown in your account before you switch it on, and you can set a monthly cap.
| Add-on | How it is billed | Price |
|---|---|---|
| SMS & calls | Per message and per minute, from the usage wallet | Rates shown in your account |
| AI conversations & voice minutes | Per conversation and per minute, from the wallet | Rates shown in your account |
| AI Unlimited | Flat monthly add-on, no per-conversation charge | $127/mo |
| Per line, plus message usage from the wallet | $19.99/mo | |
| Email volume | Sends included on every plan; higher volume from the wallet | Rates shown in your account |
| Custom build | One-time, fixed quote in writing after a discovery call | From $1,999 |
| Hardware | Terminals, readers and kiosks at cost, or placement programs on volume | See hardware → |
| Payroll | Per employee per month, on your quote; provided through our payroll partner | See payroll → |
Enterprise accounts can pool the wallet across locations. Partners rebill usage under their partner agreement.
Two ways to price your payments. Both on the statement.
Most processors hide the margin. We publish how each model works and let you choose. Either way, each business holds its own merchant account with our sponsor-bank processing partner.
| Line item | Zero-cost program | Interchange-plus |
|---|---|---|
| How it works | A compliant dual-pricing or cash-discount program. The card price sits above the cash price within the card-brand cap, so the card covers its own cost. Signage, receipts and pricing are built into every terminal, invoice and checkout page. | You pay the card networks' true interchange plus one small, disclosed margin. We show you the math on your statement. |
| Your effective cost | Card fees offset by the card price; what customers paid, what was offset and what you kept, every batch. | Lower than flat-rate pricing for most businesses. Send a statement and we show the math. |
| Best for | Service businesses, salons, retail, restaurants, clinics, faith-based organizations | Businesses that want one price for cash and card, B2B with Level 2/3 data, nonprofits on charity interchange |
| Monthly fee | $0 program fee. No PCI program fee, no statement fee, no annual fee, no customer-service fee. | No PCI program fee, no statement fee, no annual fee, no customer-service fee. |
| PCI | Online and card-on-file payments qualify for the simplest self-assessment questionnaire; countertop terminals and kiosks use the terminal questionnaire. We charge no PCI program fee; the processor's non-compliance fee applies only if the annual questionnaire isn't completed, so we help you complete it. | |
| ACH | A flat per-item fee instead of a percentage. The business decides whether the payer covers it. Returned payments: the processor's return fee passes through at cost, with two automatic retries. See ACH → | |
| Contracts | Your merchant account is in your own name with our processing partner. Your stored cards and customer records move with you as tokens and exports if you ever leave. Terms in writing before you sign. | |
Dual-pricing and cash-discount programs are subject to card-brand rules and state law and are not available everywhere. Surcharges are capped at the lesser of 3% or your actual cost of acceptance (2% in Colorado and Oklahoma); surcharging is not permitted in CT, MA, ME or PR; cash-discount and dual-pricing programs are available more widely. Debit cards are never surcharged. Exact rates depend on industry, volume and card mix. How zero-cost processing works →
What do you pay to get paid?
Move the sliders to your monthly card volume and the effective rate on your last statement. The result is what a compliant zero-cost program can recover.
Nonprofits. Qualified 501(c)(3) organizations can be boarded at the card networks' charity interchange rates, which are meaningfully lower than standard credit-card rates; we confirm eligibility per organization at underwriting. Flat per-item ACH suits recurring giving and dues, and Basic is credited back while you process with us. Faith-based and nonprofit edition →
Partner pricing. Payment companies and software companies with a book of merchants resell a white-labeled version. Software revenue is split, onboarding is priced per merchant and the platform fee steps down as your merchant count grows; referral partners pay no fee. Terms are in the partner agreement. Partner Program →
Pricing questions, answered plainly
Is the Basic plan really on us?
What is the difference between Basic and Pro?
What does a custom build cost?
Are there long-term contracts or cancellation fees?
What junk fees don't you charge?
Which processing model saves me more?
What happens if I stop processing with you?
Want exact numbers for your business?
Send a recent processing statement and get a line-by-line comparison within one business day. You see your effective rate today, both pricing models side by side, and which plan fits.
305-954-7362 · hello@merchfintech.com