Priced to how dealers actually get paid.
No single flat rate, because a foundation crew's card mix is not a coffee shop's. Card-present payments earn the lowest rate, keyed payments cost a little more, and we build your plan around the way your jobs really pay.
Swiped program
Keyed program
The full rate card, nothing hidden in an average.
Tiered pricing means each card lands in the tier that matches its real network cost. Here is the whole table, so you always know what a payment costs before it clears.
| Program | Qualified | Mid-qualified | Non-qualified |
|---|---|---|---|
| Swiped (card-present) | 1.79% + $0.19 | 2.49% + $0.19 | 3.25% + $0.19 |
| Keyed and card-on-file | 2.09% + $0.19 | Settles at qualified or non-qualified | 3.25% + $0.19 |
Qualified is a standard consumer card read in person. Mid and non-qualified are rewards, corporate, and keyed cards that carry a higher network cost. Rates shown are the current PayNet sheet and are confirmed on your agreement before you sign.
A single flat rate looks simple. It just hides the difference.
Card-present beats keyed, every time
A swiped, dipped, or tapped card proves it is really there, so it clears at the lowest cost. Keyed and stored cards cost a little more because the card is never physically read. Collecting at the door keeps you in the best tier.
Rewards and business cards cost more, and that is normal
A points card or a company card carries a higher network cost than a basic debit card. That is true at every processor. A flat rate just buries it inside an average, and you pay for it either way.
We price to your real transaction mix
We read your actual statement, set your plan to the cards your customers really use, and re-check it as your business changes. No headline rate that only a fraction of your payments will ever hit.
Prefer to offset the cost? Dual pricing is there if you want it.
Show a card price and a cash price side by side. Card payers see the card price, cash and check payers get a small discount, and the signage and receipts are set up for you.
It is an option on any PayNet account, not a requirement. Your account manager helps you decide whether it fits how you sell.
The rate is the rate. The platform comes with it.
Whatever tier your cards land in, every PayNet account runs on the same connected stack.
The View apps and QuickBooks, synced
Payments flow into SalesView, ProductionView, ServiceView, PayView, i360, and QuickBooks with no re-keying.
Tap to pay for the field
Techs collect on the phones they already carry, at the card-present rate the tier table rewards.
Invoices, links, and card on file
Deposits, draws, and maintenance plans handled inside one customer record.
ACH and checks
Steer the big final draw to the cheaper rail, with verification and an optional warranty.
Guided PCI compliance
Level 1 PCI DSS infrastructure underneath, and a guided path that keeps your validation current.
A dedicated account manager
Someone who understands your business, how you operate, and how dealer money moves.
Three steps to your real number.
Headline rates are marketing. Your effective rate across your actual card mix is the number that matters, and this is how we find it.
Send a recent statement
One or two months from your current processor is plenty. Your account manager takes it from there.
We map your real costs
Every transaction gets sorted by how it was taken and what card it was, so you see your true effective rate, not a brochure number.
You get the honest comparison
The PayNet plan priced against your actual mix, side by side. If we cannot do better, we will say so. No cost, no obligation.
Pricing questions, answered plainly.
Which tier will my payments actually hit?
Why not just give me one flat rate?
What is the $0.19?
Is dual pricing required?
Can I keep my rates in the best tier?
How do I know these numbers are what I will really get?
Send your statement. We will show you your effective rate.
A headline rate is not what you actually pay. We read your last statement, show you the real effective rate across your card mix, and build the PayNet plan against it. No cost, no obligation.
About 30 minutes with your PayNet account manager.