GoPayhawk offers five pricing models: flat rate, interchange-plus, surcharging, cash discounting, and dual pricing. Interchange-plus shows each cost separately, while surcharging, cash discounting, and dual pricing pass card processing costs to customers instead of absorbing them. These three programs are sometimes called zero-fee processing. Each one still has a cost, which varies by business. The right model depends on your monthly volume, industry, and how you want to handle the cost of accepting cards.
Select your business type to go directly to the recommended pricing model.
Simple, predictable pricing. One rate for every card type. Great for new businesses or those who value simplicity.
You pay the actual card network cost plus a small, fixed GoPayhawk margin.
Pass a surcharge to credit card users. Reduce your out-of-pocket processing costs.
Display two prices: a standard price and a discounted cash price. Incentivize cash payments without surcharging. No card fee on cash payments.
Show two prices at checkout: one for cash and one for card. The customer decides, and you reduce friction.
| Feature | Flat Rate | Interchange+ | Surcharging | Cash Disc. | Dual Pricing |
|---|---|---|---|---|---|
| Best for volume | Low | Medium–High | Any | Low–Med | Any |
| Predictable monthly cost | ✓ | No | ✓ | ✓ | No |
| Can lower what you pay in processing | No | ✓ | ✓ | ✓ | ✓ |
| No POS changes needed | ✓ | ✓ | No | No | No |
| E-commerce friendly | ✓ | ✓ | No | No | No |
| Monthly processing statement | ✓ | ✓ | ✓ | ✓ | ✓ |
Interchange-plus pricing separates the cost your card network charges (interchange) from our margin. You see exactly what Visa, Mastercard, or Amex charges, plus a fixed GoPayhawk markup. Each cost is shown separately on your statement.
No hidden fees. Period. We disclose every fee upfront before you sign anything: transaction fees, monthly statement fees, PCI compliance fees, and equipment costs. We'll also review your current statement to flag any fees your current processor hasn't explained to you.
We offer month-to-month processing agreements with no early termination fees. Equipment leases, if chosen, have their own terms shown before you sign. We believe if we're doing our job, you won't want to leave. If your situation changes, you can cancel processing anytime without penalty.
Yes. Rules vary by state and card network, and GoPayhawk confirms requirements during setup. We handle the documentation and signage for you.
Timelines vary; your rep will confirm yours. We handle equipment setup, POS integration, and training. Your dedicated rep stays with you through every step of the transition.
We process all major card networks: Visa, Mastercard, American Express, and Discover. We also support contactless payments (Apple Pay, Google Pay, Samsung Pay), ACH bank transfers, and e-commerce card-not-present transactions.
Detailed, honest comparisons against the processors we get asked about most. Same math model, same assumptions, consistent across all pages.
View all comparisons →Submit your current statement and we'll tell you exactly which pricing model saves you the most money.
