Fair Pricing for Storefront & POS
0.15% + $0.07/transaction
above Interchange
Keeping Your Costs Low
CanyonPay works with thousands of merchants in retail, who need low rate credit card processing. (Learn about who we work best with, here). That’s why we offer a low merchant rate, with fixed margins of 0.15% and $0.07 per transaction above Interchange for storefront payment processing fees. Plus, no long-term contracts! Before signing up, we’ll run a free cost analysis against your current provider to ensure you’re getting the lowest possible and best rate merchant services. Since we only operate on the Interchange-plus pricing model, you always get the lowest rates, and our margins are clearly spelled out.
- All accounts include free access to MX Merchant, including a Virtual Terminal and mobile app.
- Low, fair terminal pricing with no long-term leasing
- No annual merchant service fees, monthly minimums, or hidden fees
- CanyonPay operates on the TSYS or First Data credit card processing networks
- High-Volume rates for merchants processing over $100,000 per month
How much will I pay on a $100 sale? (Click samples below for details)
Visa Reg. Debit
| Interchange | 0.05% + $0.22 |
| Assessment Fees | 0.13% + $0.02 |
| CanyonPay Margins | 0.15% + $0.07 |
| Total Fees (per $100 sale) | $0.64 or 0.64% |
Visa CPS Retail
| Interchange | 1.51% + $0.10 |
| Assessment Fees | 0.14% + $0.02 |
| CanyonPay Margins | 0.15% + $0.07 |
| Total Fees (per $100 sale) | $1.99 or 1.99% |
Visa Rewards 1
| Interchange | 1.65% + $0.10 |
| Assessment Fees | 0.14% + $0.02 |
| CanyonPay Margins | 0.15% + $0.07 |
| Total Fees (per $100 sale) | $2.13 or 2.13% |
MasterCard Merit 3
| Interchange | 1.58% + $0.10 |
| Assessment Fees | 0.12% + $0.02 |
| CanyonPay Margins | 0.15% + $0.07 |
| Total Fees (per $100 sale) | $2.04 or 2.04% |
MasterCard World Elite Merit 1
| Interchange | 2.50% + $0.10 |
| Assessment Fees | 0.12% + $0.02 |
| CanyonPay Margins | 0.15% + $0.07 |
| Total Fees (per $100 sale) | $2.96 or 2.96% |
American Express Rates
| American Express works differently! | Click here for rates |
Estimate your Costs with CanyonPay
New to credit card acceptance? Or, are you currently with a provider that doesn’t disclose rates, making an “apples to apples” comparison difficult? No problem – use our handy cost-estimation tool below. We’ll make a few assumptions and share the overall fees that typical merchants pay.
We believe in full disclosure here.
| Fee | CanyonPay’s cost |
| Monthly Fee | $20/month |
| Interchange+ Margins (Visa/MC/Disc) | 0.15% + $0.07/authorization |
| Interchange+ Margins (AMEX) | 0.25% + $0.07/authorization |
| High-Volume (over $100k/mo) Margins | 0.10% + $0.05/authorization |
| Interchange / Card Assessment Fees | Passed-through at cost |
| AVS Fee | None! |
| Batch Fee | None! |
| PCI Compliance | None! |
| Chargebacks | $20/instance |
| Virtual Terminal | Included for Free |
| Mobile Processing | Included for Free |
| Terminals, Poynt, and Clover POS | Available |
Interchange-plus pricing. No surprises, 100% transparency.
It’s the fairest pricing model in the industry, with flat and fixed margins, so you always get a fair deal. No long-term contracts, no hidden fees.
What's Included in a new CanyonPay account?
CanyonPay provides you both fair terms and the tools you need to accept payments with ease. All accounts come with access to MX Merchant, including:
Get the Hardware you Need
Without breaking the bank. Check out terminals, Clover Point of Sale, and Mobile Swiping
What does CanyonPay NOT charge?
There are so few fees that CanyonPay charges, sometimes it’s easier to list off the things we DON’T charge! Here’s a full list of fees you won’t see at CanyonPay! No nickel-and-dime games here. We want you to choose us for simplicity, transparency, and low rates.
| Fee | Does CanyonPay charge it? |
| Annual Fees | No! |
| Monthly Minimum | No! |
| PCI Compliance Fee | No! |
| Early Termination Fee | No! |
| Batch Fee | No! |
| AVS Fee | No! |
| IRS / Regulatory Fee | No! |
| Gross Funding Fee | No! |
| Bank Change Fee | No! |
| Account Update Fee | No! |
| Virtual Terminal Fee | No! |
Top Frequently Asked Questions
Read our most common FAQs & browse our Knowledge Base for more about merchant services rates.
Let CanyonPay Help Your Bottom Line: Real Savings for Real Merchants
Auto Repair Shop
This business was processing $29,000 per month with an average ticket of $300. They were on an Interchange-plus pricing model — similar to what CanyonPay offers — but were paying 0.85% (versus the low 0.15% CanyonPay offers) for merchant card processing. CanyonPay was able to save this merchant $1,450 per year, which equated to roughly 18% off of their previous bills. This just goes to show that simply being on an Interchange-plus pricing model isn’t enough; you need to have low rates too. CanyonPay was also able to assist this merchant with purchasing a new First Data credit card processing EMV-capable terminal, to ensure that they’ll be compliant with all of the new chip cards for years to come.
Animal Hospital
These incredibly sweet people process about $150,000 per month and were overpaying big-time! They were paying roughly 3.23% when CanyonPay ran its analysis. After signing with CanyonPay, they are now paying just a little over HALF of what they had been paying — or only 1.78%. This works out to about 45% off, a whopping merchant service fee savings of over $25,000 per year. Just think about how far $25,000 can go for a small animal hospital – that’s a new part-time employee, a few new expensive machines, or supplies for thousands of animals. Let CanyonPay help your bottom line!
Law Offices
This small law office processed about $15,000 per month, and were on the “dreaded” tiered-pricing program. Even though their rate structure seemed fair (with only a $4/month fee), CanyonPay was able to show an estimated savings of 26%, or $133 per month off of their current bill. But it gets better… After signing up and performing a full review a few months later, CanyonPay determined that the law firm’s most recent Net Effective Rate (NER) was actually 2.36%. When comparing with CanyonPay, this merchant had been paying 3.74% with their previous provider. CanyonPay saved them a whopping 37% — even better than the original 26% quoted.