Processors have spent two decades obfuscating the price of a transaction. Tiered pricing surfaces a low qualified rate while routing most volume to mid- and non-qualified tiers. Interchange-plus pricing buries the markup inside a number that changes per card brand and reward tier. Then come the line items — PCI fees, gateway fees, statement fees, batch fees, monthly minimums, annual fees, chargeback fees. By the time you reconcile, your effective rate is a number nobody could have quoted you up front.
2.7% + $0.30 for online cards. 2.7% + $0.30 for in-person cards. Amex is 3.0% + $0.30. That's the whole pricing page. No tiers, no qualified/non-qualified split, no reward-tier surcharges.
No monthly account fee. No PCI compliance fee. No gateway fee. No statement fee. No annual fee. If you don't process anything in a month, you don't pay anything that month.
Every transaction in your dashboard shows the gross amount, the exact fee, and the net deposit — at the moment it happens. No waiting for the end-of-month statement to find out what you actually netted.
0.5% + $1.00, capped at $4. Most processors charge a percentage with no cap, which turns a $10,000 bank transfer into an $80 line item. Ours is $4.
Tiered processors quote you the qualified rate — typically 1.8–2.2%. That rate applies to a narrow slice of card volume: basic, non-rewards, swiped cards.
Most real-world volume — rewards cards, keyed-in, e-commerce — falls into mid- or non-qualified tiers, which can run 3–4% or higher. Your effective rate ends up well above the headline number.
2.7% on every card type, every entry method, every transaction. No tier games. For most merchants, that's lower than what they were actually paying — even when their stated rate looked lower.
Yes. There's no monthly account fee, no PCI compliance fee, no gateway fee, and no statement fee. If you have a slow month, your bill is zero. The only thing we charge is a per-transaction percentage on the payments you actually take.
Easy doesn't charge a chargeback fee on resolved disputes — meaning if you win the dispute or the customer accepts a refund, you owe nothing. Most processors charge $15–25 per chargeback regardless of outcome.
Interchange-plus exposes the wholesale card-network cost plus a markup. It can be cheaper than flat rate at very high volumes, but the per-transaction math is unpredictable and varies by card type. Easy's flat rate is simpler and, for most US/Canada merchants under $5M annual volume, comes out lower once all line items are counted.
Amex's network fees are genuinely higher than Visa/Mastercard. Most processors hide that by quoting a single rate and then surcharging Amex transactions via a non-qualified tier. We publish the Amex rate up front (3.0%) so there's no surprise on the statement.
There isn't one. Easy makes money on the spread between what we charge you and what the card networks charge us — same as every processor. The difference is we publish the rate, don't add line items, and pass on the savings on ACH and stablecoins.
See what you'd save with one rate, no monthly fees, and no statement surprises. Most merchants save $1–3K a year switching.
