MPYou cover the fee
Merchant-pays
You cover the processing cost as a business expense, at a rate quoted in writing for your business.
Custom quotes · Month-to-month
Pricing built around your business.
Every Merchly account is priced for the business behind it — your industry, volume and how you take payments — and quoted in writing before you sign. Month-to-month, with no early termination fee.
RTERates & feesFor your business
FEEFee modelYou choose
TRMTermsMonth-to-month
ETFEarly termination fee$0
DeliveredBefore you sign
§ 01Fee modelsSwitch any time
Choose who covers the processing fee.
Every quote comes in one of two fee models, and you can switch between them as your business changes.
CPCustomers cover it at checkout
Customer-pays
A compliant cash-discount or dual-pricing program shifts the processing cost to the customer at checkout, so your net processing cost approaches zero.
| Compare | Merchant-pays | Customer-pays |
|---|---|---|
| Who covers the processing fee | Your business | Your customer, at checkout |
| How it's priced | Quoted for your business | Quoted for your business |
| Terms | Month-to-month | Month-to-month |
| Early termination fee | $0 | $0 |
| Switch models later | Yes | Yes |
§ 02Terms
$0early termination fee
month-to-month terms
month-to-month terms
Month-to-month terms with no early termination fee. Your rate and terms are disclosed before you sign anything.
§ 03What affects your rate5 factors
What underwriting looks at when we price your account.
- 01
Industry & risk category
Standard retail and restaurant accounts typically qualify for lower rates than high-risk categories, which carry more underwriting and chargeback exposure.
- 02
Monthly processing volume
Higher, consistent volume generally qualifies for a lower rate.
- 03
Average ticket size
Very small or very large transaction sizes can shift the mix of per-transaction and percentage-based fees.
- 04
Card-present vs. card-not-present
In-person chip and tap transactions carry lower interchange than online or keyed transactions, which carry more fraud risk.
- 05
Processing history
An established track record with low chargeback rates supports better pricing than a brand-new account.
§ 04Pricing questions
Before you ask for a quote.
Anything else, call (800) 492-7947 — we're here 24/7/365.
Why don't you publish one rate for everyone?
Because what it costs to accept payments depends on the business — its industry, volume, average ticket and how it takes payments. We quote each account individually, so your rate fits your business and is in writing before you sign.
Can I switch between merchant-pays and customer-pays?
Yes. You can move between the two fee models as your business changes.
What does my quote include?
Your rates and fees, the fee model you chose, and your terms — month-to-month, with no early termination fee.
How does pricing work for ISOs, agents and banks?
Partner economics — residual splits for ISOs and agents, revenue share for banks and credit unions — are set in your partner agreement. Send a partner inquiry and our partnerships team will walk you through it.
§ 05 · ISOs, agents & institutions
Selling or referring Merchly? Your economics are set in your partner agreement.
Free quote · No obligationReply within one business day
See your rate. In writing.
Final pricing depends on your industry, volume, and processing history.