Pricing
One gateway price. Add-ons only if you need them.
One monthly gateway price plus a one-time $75 setup fee. Card processing rates come from your processor and are quoted separately.
What counts as a transaction?
Each gateway action is counted: a sale, authorisation, capture, void, refund, credit, card check or settlement. A sale charged in one step counts once. Authorising first and capturing later counts twice.
500 sales a month
A store with 500 one-step sales pays $40 + (500 × $0.10) = $90.00 in gateway fees, plus its processor's card rate.
Add-ons
Add only what you use
| Add-on | Monthly | Setup | Usage |
|---|---|---|---|
| Extra processor connection (backup account) | $9.95 | — | $0.10 per transaction |
| Customer Vault and recurring billing | $10.00 | — | $0.10 per saved-card action |
| Automatic Card Updater | $7.00 | — | $0.25 per updated card |
| Network tokens | $20.00 | — | $0.20 per token action |
| Fraud rules | $7.00 | — | $0.07 per screened payment |
| Advanced fraud screening (Kount) | $10.00 | — | $0.10 per screened payment |
| 3-D Secure 2 | $12.00 | — | $0.12 per verification |
| Electronic invoicing | $7.00 | — | $0.07 per invoice action |
| Text to Pay | $7.00 | — | $0.25 per conversation |
| ACH and eCheck | $20.00 | $35 | $0.25 per transaction, $3.00 per return |
| Level III data | $35.00 | $35 | $0.30 per Level III transaction |
| Tap to Pay on iPhone and Android | $0 | — | $0.15 per tap |
| Mobile payments app | $5.00 per device | — | Gateway transaction fee |
| Encrypted card terminal | $12.00 per device | — | Gateway transaction fee |
All prices in US dollars, billed monthly. What each add-on does.
Card processing rates
Processing rates are quoted by your processor
Every card sale also carries a processing rate: a percentage plus a fixed amount per sale. Most of it is interchange, set by the card networks and paid to the cardholder's bank. Your processor adds its own markup. Inicio doesn't set or add to this rate.
We help you compare quotes and ask for interchange-plus pricing, so you can see the network cost and the processor's markup separately. Visa explains interchange on its processing fees page.
Keep going
Related pages
Services and add-ons
Invoices, Text to Pay, saved cards, fraud tools and Tap to Pay.
Read more →Merchant accountsCard processing
We match you with a processor that approves your category, with a backup account ready.
Read more →ProcessorsSupported processors
150+ card and ACH processors, so you can keep the account you have.
Read more →FAQPayments FAQ
Surcharging rules, chargebacks, Visa VAMP and PCI, in plain English.
Read more →Next step
Want a full quote?
Send your last processing statement and we'll show you gateway and processing costs side by side.