New User | Need Help? | Forgot Password?
Forgot password or PIN? | Demo
Home / Commercial / Merchant Services / A Guide to Merchant Services Pricing Models
When comparing pricing structures for merchant services, it’s important to understand the three main pricing models used by providers. Each has its advantages and is suited for different types of businesses. Here’s a breakdown:
How It Works: A single, fixed percentage and/or a small per-transaction fee is charged, regardless of the card type or transaction method.
Example: 2.9% + $0.30 per transaction (common with providers like Square or PayPal).
Best For: Small businesses or those with low transaction volumes and simple pricing needs.
How It Works: You pay the card network’s interchange fee (a percentage + a flat fee for each transaction) plus a fixed markup set by your processor.
Example: Interchange + 0.3% + $0.15 per transaction.
Best For: Businesses with higher transaction volumes that want transparency in costs.
How It Works: Transactions are categorized into tiers (e.g., qualified, mid-qualified, and non-qualified) with different fees for each tier.
Best For: Businesses that process primarily “qualified” transactions.
Fidelity Bank is committed to helping businesses navigate the complexities of merchant services fees while delivering secure and efficient payment solutions. With our transparent pricing, tailored services, and dedicated local support, we make it easier for your business to succeed.
Trusted Local Partner: With deep roots in the community, we understand the unique needs of your business.
Innovative Solutions: From mobile payments to e-commerce gateways, we offer the latest tools to keep you competitive.
Expert Guidance: Our team is here to help you every step of the way, from setup to ongoing support.
Our experts will conduct a competitive analysis and help you choose the right business payment solutions. Whether you’re looking for POS system financing for businesses, affordable merchant accounts, or payment gateway solutions, Fidelity Bank is your trusted partner for merchant services tailored for local businesses.
Or call 1-800-388-4380 to schedule a free, no-obligation Cash Flow and Business Efficiency consultation.
What Are Merchant Services and Why Your Business Needs Them?
A Guide to Merchant Services Fees
A Guide to Merchant Services Pricing Models
Digital payment types: Simplifying Transactions in a Digital World
The Ultimate Guide to Credit Card Processing for Business Owners
Merchant Services: Frequently Asked Questions
How Merchant Services Improve Payment Processing for Businesses in NEPA and the Lehigh Valley
Top Trends in Payment Processing: What Businesses Need to Know
Questions to Ask Yourself About Your Merchant Services System
Merchant Services: What to expect when you contact Fidelity Bank
Why Your Businesses Should Choose Fidelity Bank for Merchant Services
Healthcare Payment Processing Solutions for Your Practice
Healthcare Payment Processing: Simplifying Transactions with Merchant Services
Merchant Services for Retail Businesses: Enhancing Customer Experience
Comprehensive POS Systems for Restaurants