Card processing costs depend on what you sell, how you sell it and the cards your customers use. Here's how pricing works, and how Zeyla puts together your quote.
Most of what you pay goes to the card networks and the customer's bank. Only one part is set by your processor.
The largest part of the cost. It varies by card type (debit, credit, rewards, business), whether the card is present, and your business category.
Smaller assessment fees charged by the card networks for using their systems.
What your processor charges for its service and risk. This is the part that differs between providers.
You pay the actual interchange and network fees plus a fixed markup. The most transparent model, because you can see exactly what goes where.
One rate for every card. Simple and predictable, but you can pay more than necessary on lower-cost cards such as debit.
Transactions are sorted into qualified, mid-qualified and non-qualified rates. The hardest to compare, so ask how each tier is defined.
A Zeyla payments specialist reviews every application and builds pricing around how your business actually operates.
High-risk industries usually carry higher rates, and sometimes a reserve, to reflect dispute and fraud risk.
In-person chip and tap payments generally cost less than online or keyed-in payments.
Your monthly volume and average transaction size shape both percentage and per-transaction fees.
Past statements, refund rates and chargeback history help us price your account accurately.
Beyond the processing rate, compare these line by line before you sign with anyone.
Costs vary a lot by industry, card mix and how you sell. A single advertised rate would be wrong for most businesses, so a specialist prices each account individually.
Yes. Applying takes about 3 minutes and there's no cost or obligation to apply.
Usually, yes. Higher dispute and fraud risk means higher rates and sometimes a reserve. Our guide to high-risk vs. low-risk merchant accounts explains why.
Use our free processing fee calculator to work out your effective rate, and read our guide to interchange fees and processing rates.
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