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.

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Low Volume Merchant?View Storefront Solutions

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.

Estimate Your Costs

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.

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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:

Learn More
about MX Merchant

Get the Hardware you Need

Without breaking the bank. Check out terminals, Clover Point of Sale, and Mobile Swiping

Learn more

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!


Let CanyonPay Help Your Bottom Line: Real Savings for Real Merchants

Saved per month

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.

Saved per month

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!

Saved per month

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.