Simple, transparent pricing
Merchly prices every account on interchange-plus — the actual cost of the card network fee, plus one disclosed markup. No blended rate hiding what you're really paying.
Interchange-plus pricing
Every statement itemizes interchange, network assessments, and Merchly's markup separately — so you can see exactly what you're paying for. Read our interchange rates guide.
No long-term contracts
Month-to-month terms with no early termination fee. Your rate and terms are disclosed before you sign anything.
Choose how the fee is covered
Merchly supports two fee models — you can switch between them as your business changes.
Merchant-pays
You absorb the processing cost as a straightforward line-item expense, priced at interchange plus a flat, disclosed markup.
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.
What affects your rate
Your exact rate depends on your business — here's what underwriting looks at.
Industry & risk category
Standard retail and restaurant accounts typically qualify for lower rates than high-risk categories, which carry more underwriting and chargeback exposure.
Monthly processing volume
Higher, consistent volume generally qualifies for a lower markup over interchange.
Average ticket size
Very small or very large transaction sizes can shift the mix of per-transaction and percentage-based fees.
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.
Processing history
An established track record with low chargeback rates supports better pricing than a brand-new account.
See your actual rate
Final pricing depends on your industry, volume, and processing history.