Transparent pricing

How Pricing Works

Understand your statement, spot hidden fees, and see exactly what you pay. We break down credit card processing so you stay in control.

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The Two Parts of Your Rate

Every time a customer swipes, taps, or keys in a card, your total cost is made up of two things: interchange (what the card networks charge) and markup (what your processor charges). Understanding both is the first step to lowering your costs.

Interchange

Set by Visa and Mastercard. It varies by card type (rewards, commercial, debit) and how the transaction is run (swiped vs keyed). Processors don't control this, they pass it through.

Markup

This is where your processor makes money. It can be a percentage, a per-transaction fee, or both. Transparent processors show this clearly; others bury it inside tiers and qualifiers.

The best way to save is to see both parts on your statement. With interchange-plus pricing, you see the true interchange for each transaction plus a fixed markup, no guessing, no hidden spread.

How Processors Present Pricing

Not all pricing is presented the same way. Here's what you're likely to see.

Interchange plus (cost-plus)
You pay the actual interchange rate plus a stated markup (e.g. interchange + 0.25% + $0.10). Fully transparent and easy to audit. This is what Omega offers.
Learn more about interchange plus
Tiered (qualified / mid / non-qualified)
Transactions are grouped into tiers. The "qualified" rate sounds low, but many transactions get pushed into higher tiers (mid or non-qualified), where the processor's margin is hidden. Hard to audit and often more expensive over time.
Flat rate
One rate for all card-present (or all card-not-present) transactions. Simple to understand, but you may overpay on low-interchange cards like debit. Good for very small volume; interchange plus usually wins at scale.
Dual pricing / cash discount
Two prices at the register: cash price and card price. The card price includes a service fee that covers your processing cost, so your net processing cost can go to zero when done correctly and compliantly.
Learn about our dual pricing program

What to Look For on Your Statement

Hidden or confusing fees add up. When you get a free statement audit, we look for things like:

Monthly minimums and annual fees
PCI compliance or “non-compliance” fees
Statement or batch fees
Gateway or terminal fees that could be bundled
Rates that change by card type without clear explanation (tiered downgrades)
Long-term contract or early-termination fees

We explain what you're paying today and how our transparent pricing compares, with no obligation to switch.

How Omega Keeps Pricing Simple

Transparent interchange plus

You see the real interchange and our fixed markup on every transaction. No tiers, no qualifier games.

Free statement audit

We review your current statement and show you line-by-line what you pay now and what you'd pay with us, free, no obligation.

See Your True Costs

Get a free statement audit. We'll break down your current pricing and show you how transparent interchange-plus can save you money.