See exactly what you'll pay. No hidden fees. No monthly charges. No contracts. Just payment processing that actually saves you money.
The payment processing rates that actually help your business grow.
1.49% + 15¢
In-person transactions
2.79% + 15¢
In-person transactions
1.89% + 20¢
Debit transactions online
| Transaction Type | Debit Rate | Credit Rate | Savings vs Square |
|---|---|---|---|
| In-Person Transactions Card-present, EMV, NFC |
1.49% + $0.15
|
2.79% + $0.15
|
46% savings
on debit cards
|
| E-commerce & Invoicing Online, invoices, payment links |
1.89% + $0.20
|
2.99% + $0.20
|
31% savings
on debit cards
|
| Keyed-In Transactions Manual card entry, phone orders |
2.29% + $0.25
|
3.29% + $0.25
|
35% savings
vs Square's 3.5%
|
Industry average: 60% of transactions are debit cards. This is where you save the most with MidPay.
No hidden fees: What you see is what you pay. No monthly fees, no setup costs, no surprises.
We work with industry-leading providers to give you options that fit your business.
Get started immediately with zero upfront costs.
No base fees. You only pay when you process.
Cancel anytime. We earn your business every day.
Get professional-grade hardware at no cost.
We'll set up your entire menu and inventory.
Inventory, reporting, and management tools included.
Contactless payment codes for your business.
Send payment requests via email, text, or social.
Professional recurring invoicing tools built-in.
Real humans ready to help anytime you need.
Bank-level security and fraud protection included.
Get your money fast with standard next-day funding.
Our system automatically detects whether a card is debit or credit and applies the correct rate. You'll see the breakdown in your daily reports.
Absolutely none. Zero monthly fees, zero account fees, zero statement fees. You only pay the processing rates shown above.
Standard chargeback fees apply ($15-25 depending on provider). We provide tools to help you fight and prevent chargebacks.
Yes! No contracts means you can switch anytime. We're confident you'll stay because we actually save you money.
Standard next-day deposits. Process on Monday, funds hit your account Tuesday. Same-day deposits available with PayAnywhere.
No minimums. Whether you process $100 or $100,000 per month, you get the same great rates.
Use our calculator to see how much you'll save with MidPay's transparent pricing.