Modern business

Save 46% on every
debit transaction

Square charges 2.75% flat. We charge 1.49% on debit cards.
That's $378 saved monthly on $50k volume.

Quick Start - 2 Questions
Or Calculate Detailed Savings
The Truth About Payment Processing

Square charges you the same for debit and credit.
You're overpaying on 60% of your transactions.

❌ The Problem (Square)
2.75%
Same rate for EVERYTHING
Debit card (60% of sales) 2.75%
Credit card (40% of sales) 2.75%
$1,375/month on $50k volume
→
✓ The Solution (MidPay)
1.49%
FAIR rates that reflect real costs
Debit card (60% of sales) 1.49%
Credit card (40% of sales) 2.79%
$997/month on $50k volume
$378
saved EVERY MONTH = $4,536/year back in your pocket
Savings Calculator

How much are you overpaying Square?

See your exact savings in real-time. Most businesses save $378/month.

$
$
%
Square Costs
$1,375
2.75% flat
MidPay Costs
$997
1.49% debit
You Save
$378
per month
$4,536 saved annually
Premium Equipment

Free professional terminals

Industry-leading hardware at zero cost. No leases, no contracts.

Best Value
Barista using payment terminal at coffee shop

For Coffee Shops & Cafés

1.49% Debit

Fast contactless payments for high-volume service. Perfect for busy morning rushes.

  • Tap, chip & contactless
  • Built-in tip screen
  • Mobile order ready alerts
  • Free terminal ($599 value)
Retail checkout counter with modern POS

For Retail & Boutiques

1.49% Debit

Sleek checkout experience with inventory management. Built for modern retail.

  • Inventory tracking
  • Customer profiles & loyalty
  • Email receipts
  • Free terminal ($599 value)
Restaurant owner using modern POS system

For Restaurants & Food Service

1.49% Debit

Full-featured POS with table management and kitchen display. Built for busy restaurants.

  • Table & order management
  • Kitchen display system
  • Tableside ordering
  • Free terminal ($899 value)
Financing Solutions

Flexible payment options for your customers

Increase sales with buy now, pay later financing across all industries.

Healthcare professional with patient

Medical Financing

Healthcare payment plans for patients. Ideal for dental, cosmetic, and elective procedures.

Learn More
Modern retail boutique checkout counter

Retail Financing

Point-of-sale financing for retail purchases. Perfect for furniture, electronics, and home goods.

Learn More
HVAC service technician working on home system

Service Financing

Flexible payment plans for services. Great for home improvement, auto repair, and professional services.

Learn More
Woman shopping online with smartphone and credit card

Split Purchase

Buy now, pay later in installments. Zero-interest payment plans for any purchase amount.

Learn More
Head to Head

MidPay vs Square

The numbers don't lie. Save 46% on debit transactions.

Square
In-Person Debit
1.49% + $0.15
2.75%
In-Person Credit
2.79% + $0.15
2.75%
Online Debit
1.89% + $0.20
2.9% + $0.30
Free Equipment
Yes
No
Provider Choice
4 Options
Locked In
Monthly Savings ($50k volume)
Baseline
-$378

Stop overpaying.
Start growing.

Join 10,000+ businesses saving with MidPay

Calculate Your Savings Schedule a Demo