Cost Savings

You choose how
processing fees work.

Most merchants don't know they have options. We give you two: pay some of the lowest rates in the industry, or pass the processing fee to your customers and pay $0 per month. Your business, your choice.

Get a Free Rate Review →See the Numbers
Two Options

Pay it or pass it. Either way,
you save.

We let you decide how processing fees are handled. There's no wrong answer — just the one that fits your business best.
Customer Pays the Fee
$0 / month
Processing fees are passed to the customer at checkout as a small service fee. You pay nothing — zero monthly fees, zero per-transaction costs.
  • ✓ $0 monthly fee
  • ✓ $0 per-transaction cost to you
  • ✓ Small service fee added at checkout
  • ✓ Customer sees the fee transparently
  • ✓ Works for card-present and card-not-present
  • ✓ No contracts — cancel anytime
Best for: businesses with higher average tickets, service businesses, and merchants who want to eliminate processing costs entirely.
Merchant Pays the Fee
2.0–2.3% + $0.10
You absorb the processing cost at some of the lowest rates available. No hidden fees, no annual charges, no PCI compliance fees buried in your statement.
  • ✓ Card-present rates: 2.0% – 2.3% + $0.10
  • ✓ Transparent interchange-plus pricing available
  • ✓ No hidden fees or statement markups
  • ✓ No PCI compliance fees
  • ✓ No annual or early termination fees
  • ✓ No contracts — cancel anytime
Best for: businesses that prefer to include processing in their pricing, restaurants with tipping, and merchants who want the cleanest customer experience.
Real Savings, Real Merchants

These are actual results from
merchants who switched.

Not projections. Not estimates. These numbers come directly from merchant processing statements — before and after switching to VPayment Solutions.
Case Study — Retail Merchant
Switched from traditional processing to our $0 fee program
Monthly Volume
$142,225
Previous Effective Rate
3.29%
Previous monthly cost$4,684
New monthly cost$0.00
New effective rate0.00%
Annual Savings
$56,208
3-year savings: $168,624
100% cost reduction by switching to the customer-pays program
Case Study — Restaurant
Switched from Clover to our merchant-pays low rate program
Monthly Volume
$85,000
Previous Effective Rate
3.45%
Previous monthly cost$2,933
New monthly cost$1,870
New effective rate2.20%
Annual Savings
$12,756
3-year savings: $38,268
36% cost reduction with merchant-pays low rate program
Case Study — eCommerce / Online Business
Switched from Stripe to VPayment — lower rate, no surprise fees
Monthly Volume
$120,000
Monthly Transactions
2,400
Stripe costs (3.15% + $0.25 per txn)
Percentage fees (3.15%)$3,780.00
Per-transaction fees ($0.25 × 2,400)$600.00
Total Stripe cost$4,380.00/mo
VPayment costs (2.9% + $0.20 per txn)
Percentage fees (2.9%)$3,480.00
Per-transaction fees ($0.20 × 2,400)$480.00
Monthly fee$0.00
PCI compliance fee$0.00
Statement fee$0.00
Total VPayment cost$3,960.00/mo
Annual Savings vs Stripe
$5,040
$420/month saved — and that's before removing the junk fees
Fees We Eliminate

The charges your current processor
hopes you won't notice.

Most merchant statements are buried in fees that have nothing to do with processing your transactions. Here's what we strip out when you switch to VPayment.

🚫
PCI Compliance Fee
$9.95–$19.95/mo charged for "compliance" you already handle. We charge $0.
🚫
Monthly Minimum Fee
Charged when your processing volume is "too low." We don't set minimums.
🚫
Statement Fee
$5–$15/mo to mail you a piece of paper. We provide free online reporting.
🚫
Annual Fee
$79–$199/year charged just for having an account. We charge $0.
🚫
Early Termination Fee
$250–$500+ to leave. We use month-to-month agreements. Cancel anytime for $0.
🚫
Batch Fee
$0.10–$0.30 charged every time you close your batch. Daily charges add up. We charge $0.
🚫
Gateway Fee
$10–$25/mo for access to the payment gateway. We include gateway access at no charge.
🚫
Equipment Lease
Locked into a 3–5 year terminal lease at $50–$150/mo for equipment worth $300. We offer purchase options or free placement.
🚫
Account Maintenance Fee
$5–$15/mo billed as "account maintenance" or "service fee" for doing nothing. We charge $0.

These fees can add $100–$300+ per month on top of your processing rate. We eliminate all of them.

Based on actual merchant processing statements. Individual savings vary based on volume, average ticket size, card mix, and program selected. Names withheld for privacy.

Your Business, Your Rules

You pick. We set it up.

There's no pressure to go one way or the other. Some of our merchants run 100% fee-free. Others prefer to absorb a low rate for a cleaner checkout experience. Some even split — different programs for different locations. We configure whatever you want.
Talk to Us About Your Options →

Pass the fee to customers

A small service fee is added at checkout. You receive 100% of the sale amount. Your monthly processing cost: $0. Works for card-present and card-not-present transactions.

Pay the fee yourself

You absorb the processing cost at 2.0–2.3% + $0.10 for card-present transactions. Clean checkout experience with no extra line items. Still lower than Stripe and Square.

Mix and match

Run different programs at different locations, or use one option for in-store and another for online. We configure it however you need.

Free Rate Review

Send us a statement.
We'll show you the savings.

Our payment review is completely free — no commitment, no pressure. We analyze your current processing statement and show you exactly what you'd save with VPayment Solutions.

  • Send us your most recent processing statement (we keep it confidential)
  • We analyze your effective rate, fees, markups, and hidden charges
  • We build a side-by-side comparison showing your savings
  • You decide if you want to switch — no obligation either way
Get Your Free Review →
Get Started
Find out how much
you can save.
Send us a processing statement or just tell us your monthly volume. We'll show you the numbers — free, no commitment, no sales pitch.
Get a Free Rate Review →Back to Home

No contracts. No hidden fees. No pressure. Just clarity on what you're paying.