Three pricing models. You pick.
Most processors decide for you and quietly pad whichever model pays them more. We do the opposite. We show you the math on all three — surcharge, interchange-plus, or flat rate — and you choose whichever puts more money back in your pocket.
Pick the one that wins for your business.
Each model wins in different situations. Here's how they work, who they're best for, and what the math looks like.
Pay zero. Customer covers it.
The customer pays a 2.4% surcharge on credit card transactions. You bank the full ticket. Set up correctly and legally — most processors won't bother showing you how.
- You keep 100% of every sale
- Surcharge clearly displayed on receipts and signage
- Compliant with Canadian surcharging rules (since Oct 2022)
- Debit cards still pay normal small fee — surcharge is credit only
- Works with all Clover terminals
Lowest possible rate, no markup tricks.
You pay the wholesale interchange (set by Visa and Mastercard) plus a transparent 0.20% markup. No "non-qualified" or "mid-qualified" buckets. Just real cost plus a small spread.
- Pure pass-through pricing — you pay what we pay, plus 0.20%
- No "downgrade" surprises that inflate your statement
- Plain-English statements that show interchange and markup separately
- Locked rates for the full term of your agreement
- Best fit for high-volume, professional merchants
Markup may vary based on industry and risk profile. Final rate set in your merchant agreement.
Beats Stripe, Square, and PayPal online.
Simple, predictable, lower than the big online platforms. Same rate for every card, every transaction. No statement headaches. Built for online and card-not-present businesses.
- Lower than Stripe (2.9% + 30¢) and Square (2.9% + 30¢ online)
- One predictable rate for every card type
- Authorize.net gateway included
- Recurring billing supported
- Works with Shopify, WooCommerce, custom carts via API
Three models. One quick comparison.
Quick look at how the three models stack up across the things that actually matter.
| What matters | Surcharge | Interchange Plus | Flat Rate |
|---|---|---|---|
| Your effective cost | $0 on credit | ~1.8% blended | 2.75% + 15¢ |
| Who pays the fee | Customer (credit only) | You | You |
| In-person ready | ✓ | ✓ | ✓ |
| Online / e-commerce | ✕ | ✓ | ✓ Best |
| Best for high tickets | ✓ Best | ✓ | ✓ |
| Predictable monthly cost | ✓ Most | Varies w/ card mix | ✓ Most |
| Hidden fees | None | None | None |
| Boost Program eligible | ✓ | ✓ | ✓ |
← Scroll to see all columns →
What you'll never see on a Dough statement.
The "junk fees" that other processors slip in line by line. We don't charge them. Period.
"PCI compliance" fees
Some processors charge $20/mo to "stay PCI compliant." We don't.
Monthly minimums
If you don't process enough, some processors charge you the difference. We don't.
Statement fees
$10-15/mo just for sending you the bill. Wild. We don't.
Non-qualified surcharges
The shadiest fee in payments — extra cost on premium cards. We don't.
Setup or boarding fees
Pay to start? No thanks.
Annual fees
That mysterious $99 charge in January. Not a thing here.
What savings actually look like.
Three real merchants, three different models, three different savings stories. These are based on actual statement reviews — names changed where needed.
Examples are illustrative based on actual merchant statements. Your specific savings depend on your card mix, ticket sizes, current processor, and chosen pricing model. We'll run the math on your real statement before you commit to anything.
The questions everyone asks about pricing.
Not sure which model wins for you? Let's run the math.
Send us your last processing statement. We'll show you what you'd pay on all three models — surcharge, IC+, and flat rate — and recommend the one that puts the most money back in your pocket. Free, no obligation, no pushy follow-ups.