--- title: "Transparent Fees — One rate. Zero surprises." description: "Flat-rate processing with no monthly fees, no PCI charges, no tiered pricing games. See exactly what every transaction costs, in real time, before the statement arrives." url: https://www.itseasy.co/solutions/transparent-fees markdown_url: https://www.itseasy.co/solutions/transparent-fees.md site: Easy generated_at: 2026-09-04T09:47:32.662Z --- Solution · Transparent Fees # One rate. Zero surprises. Hidden fees are how most processors make their money. Tiered pricing, interchange-plus, statement padding, PCI assessments — it adds up to a bill no one can actually parse. Easy charges one published rate, full stop. ≈ 90% of small businesses overpay in processing fees [Get started with Easy](https://app.itseasy.co/signup)[Browse all solutions](/solutions) The problem ## You can't budget for what you can't predict. 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. What you get ## Pricing you can read in a single sentence. ### Flat rate, every card, every time 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. - Same rate for swipe, dip, tap, and keyed-in - Amex at 3.0% — published, not buried in a footnote - International cards: a flat +1.5%, no conversion fee ### Zero recurring fees 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. - $0 monthly minimum - $0 PCI compliance — handled by Easy - $0 chargeback fee on resolved disputes ### Real-time fee preview 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. - Per-transaction fee breakdown in the dashboard - Built-in fee calculator on every checkout page - Daily summary email with effective rate to date ### ACH that's actually cheap 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. - Cap on ACH means large transfers stay flat - Free stablecoin acceptance — no processor markup - Same-day ACH available on every account How it works ## Why one rate is actually cheaper than 'low' rates. 1. Tier 01 ### The advertised rate 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. 2. Tier 02 ### The actual rate 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. 3. Tier 03 ### Easy's rate 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. 2.7% Flat online + in-person card rate $0 Monthly + PCI + statement fees $4 Capped ACH fee on any transfer size 0% Stablecoin processor markup FAQ ## Common questions Are there really no monthly fees?+ 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. What about chargebacks?+ 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. How does interchange-plus pricing compare?+ 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. Why is Amex more expensive?+ 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. What's the catch?+ 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. ## Stop overpaying for the privilege of getting paid. See what you'd save with one rate, no monthly fees, and no statement surprises. Most merchants save $1–3K a year switching. [Start saving today](https://app.itseasy.co/signup)[See all solutions](/solutions) ## Your new payment solution starts here. Your simplest advantage. [Start saving today](https://app.itseasy.co/signup)[Talk to us](https://meet.itseasy.co/talk-to-us/discovery-15?ref=cta%5Fband&utm%5Fsource=itseasy.co&utm%5Fmedium=cta&utm%5Fcampaign=talk-to-us) --- See also: [llms.txt](https://www.itseasy.co/llms.txt) — index of all machine-readable pages.