Payment Processing Rates
All accounts have a $25 per month subscription and $0.25 per batch occurrence.
AptusPay Margin
Interchange plusWhat is Interchange (IC)?
There are 3 major costs in every transaction.
The first cost is the “Bank Interchange” that is charged by the card-issuing bank.
Second, is the PCI Dues and assessments which are charged by the PCI Board of Visa, MasterCard, Discover, and American Express.
Last, is the margins of Aptus Merchant Services and its providers.
In-Person Retail
These are the most common (IC) categories for in-store or on the go swiped, dipped. or tapped transactions.
Regulated Debit Processing
| Interchange | 0.05% + $0.22 |
| Assessment Fees | 0.13% + $0.02 |
| Aptus Margins: | 0.07% + $0.07 |
| Total Fees Per $100 sale | 0.52% or $0.52 |
Card Present
| Interchange | 1.51% + $0.10 |
| Assessment Fees | 0.13% + $0.02 |
| Aptus Margins | 0.07% + $0.07 |
| Total Fees Per $100 sale | 1.90% or $1.90 |
.
Rewards 1
| Interchange | 1.65% + $0.10 |
| Assessment Fees | 0.13% + $0.02 |
| Aptus Margins | 0.07% + $0.07 |
| Total Fees Per $100 sale | 2.04% or $2.04 |
Online Retail
These are the most common (IC) categories for virtual, recurring, autopay, and e-commerce transactions.
Regulated Debit Processing
| Interchange | 0.05% + $0.22 |
| Assessment Fees | 0.13% + $0.02 |
| Aptus Margins: | 0.07% + $0.07 |
| Total Fees Per $100 sale | 0.52% or $0.52 |
Card Not Present
| Interchange | 1.80% + $0.10 |
| Assessment Fees | 0.13% + $0.02 |
| Aptus Margins: | 0.07% + $0.07 |
| Total Fees Per $100 sale | 2.19% or $2.19 |
Rewards 2
| Interchange | 1.80% + $0.10 |
| Assessment Fees | 0.13% + $0.02 |
| Aptus Margins: | 0.07% + $0.07 |
| Total Fees Per $100 sale | 2.19% or $2.19 |
Food Service
These are the most common (IC) categories for coffee shops, quick service, food trucks, and full-service restaurants transactions.
Regulated Debit Processing
| Interchange | 0.05% + $0.22 |
| Assessment Fees | 0.13% + $0.02 |
| Aptus Margins: | 0.07% + $0.07 |
| Total Fees Per $15 sale | 2.32% or $0.35 |
Restaurant
| Interchange | 1.54% + $0.10 |
| Assessment Fees | 0.13% + $0.02 |
| Aptus Margins | 0.07% + $0.07 |
| Total Fees Per $15 sale | 3.00% or $0.45 |
Small Ticket
| Interchange | 1.65% + $0.04 |
| Assessment Fees | 0.13% + $0.02 |
| Aptus Margins | 0.15% + $0.07 |
| Total Fees Per $15 sale | 2.73% or $0.41 |
Frequently Asked Questions
What are batch fees?
A batch fee is a cost to close business on your transactions for the day. We charge $0.25 per batch. You’re not charged the batch fee if you have zero daily transactions.
Do you have a contract?
Our programs are risk-free with no commitments, no contracts, and cancellation fee-free agreements.
Do I have to do PCI Compliance?
We can relieve you of the PCI burdens. You will no longer have to do the PCI scans are questionnaires.
Do I have to pay for new equipment?
We provide free placement processing equipment or software. We can usually integrate with your current terminal, virtual terminal, point of sale system, or website. Consult with an Aptus Advisor.
How long does it take to get approved?
You can have approval within minutes of completing the online application in some cases.
How fast do I get my deposits?
Most businesses qualify for Next-Day-Funding and some for Same-Day-Funding. However, certain merchant types that are considered “High-Risk” may have a delay imposed by underwriting.
Instant Online Quote
See what you would pay today!
More Pricing Options
Pay-As-You-Go (PAYG)
No monthly fees. No annual fees. No surprises!
Dual Pricing
Eliminate 98% of your credit and debit card processing fees. Accept cards for as low as $29.99 per month.