Pricing That Makes Sense
All of our pricing tiers are flexbile for businesses of all types.
Interchange Plus
Perfect for businesses that process high volume and want full transparency.
- Merchant Absorbs All Of The Card Processing Cost
- Competitive Rates Negotiated with Processors
- Varies Cost By Card & Methods Processed
- Ideal for businesses processing $10K+/month
- Dedicated Support
Best for B2B, Ecommerce, and Large Retail
Dual Pricing
Offer cash discounts — automatically and legally - ALL Merchants Available
- Apply Discount for Cash Sales
- Reduced From Advertised Pricing
- Fully compliant and receipt-transparent
- Signage Must Be At Register
- Dedicated Support
Works great for in-person businesses (retail, food, auto shops)
Surcharging
Offset card processing fees — and keep 100% of your sale.
- All Merchants Eligible
- Customer pays a small fee when paying by credit card
- You pay $0 in processing fees
- 100% compliant with state regulations
- Can Only Surcharge Credit Transactions
Perfect for service providers and small businesses
PayLink Pricing Guidelines
Knowing how rates affect your business is important to your bottom line. We want your business to accept payments with confidence - while avoiding unnecessary fines or compliance issues. Below is a breakdown of the most common pricing models, along with the rules you should know before selecting the right fit for your business.
Key Guidelines to Keep in Mind
Never add a separate “processing fee” line item on a receipt. This is considered a non-compliant surcharge and could result in fines.
Use approved methods only. Programs like Surcharge, Dual Pricing, or Cash Discounts are allowed, but each has specific rules you must follow.
Stay compliant with state and card-brand rules. Visa, Mastercard, and other networks have strict requirements — and some states prohibit or cap fees.
When in doubt, ask. Our team will help you choose a program and make sure your signage, receipts, and disclosures meet all legal requirements.
Pricing Models Explained
Surcharge Program
Applied only to credit cards
Cannot exceed 3% or the true cost of acceptance (whichever is lower)
Must appear in the total transaction amount, on the receipt, and with proper signage
Requires 30 days’ notice to your processor before activation
Must be disclosed in Field 28, on receipt and POS & POE signage
Not permitted in certain states:Connecticut, Maine, Massachusetts, Oklahoma, New YorkColorado allows surcharging but caps it at 2%
Dual Pricing (Cash Discounting)
Applied only to credit cards
Cannot exceed 3% or the true cost of acceptance (whichever is lower)
Must appear in the total transaction amount, on the receipt, and with proper signage
Requires 30 days’ notice to your processor before activation
Must be disclosed in Field 28, on receipt and POS & POE signage
Not permitted in certain states:Connecticut, Maine, Massachusetts, Oklahoma, New YorkColorado allows surcharging but caps it at 2%
Frequestly Asked
Questions
Here's what folks have asked us most...
How is PayLink different from Square or Stripe?
Unlike generic processors, PayLink is built specifically for small business owners who want lower fees, faster deposits, and transparent pricing. We offer multiple pricing models like Dual Pricing and Surcharging — giving you more control and savings
Can I really eliminate 100% of my processing fees?
Yes, with our Dual Pricing and Surcharging options, you can pass the cost of credit card processing to the customer legally and transparently. It’s fully compliant and easy to implement.
How do I contact the support?
You can reach our dedicated support team via email, phone, or text, whichever is easiest for you. We pride ourselves on fast, human-first service with no call centers or long wait times.
How fast can I get set up?
Most businesses are up and running within 24–48 hours. Our onboarding team handles everything from pricing analysis to equipment setup — so you can start saving money fast.
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