Transparent Pricing Models
No hidden fees. No confusing statements. The right pricing model for your business.
Most merchants have no idea what their true effective rate is. Processors bury the real cost in tiered buckets, monthly minimums, PCI non-compliance fees, and statement fees that exist for no reason other than margin. The complexity is intentional.
Built for how your business actually operates.
FinTech 5 analyzes your merchant statements and matches you with the pricing model that actually maximizes your margins. We offer interchange-plus (the true wholesale rate with a fixed markup), flat-rate (simple and predictable), tiered (for specific low-volume use cases), and custom hybrid models. Rates are locked in. No annual hikes without your approval. And your account manager monitors benchmarks on your behalf.
Assess your transaction types and volumes.
Compare model options side-by-side in our pricing calculator.
Select the plan that maximizes your cost savings.
Lock in your rates. No annual hikes.
Review periodically with your account manager for adjustments.
Who gets the most from this solution.
Every business is different. Here's the profile of merchants who see the strongest results from this particular solution, though we customize for every situation.
How do I know which pricing model is actually right for me?+
A free statement analysis compares your real transaction mix against interchange-plus, flat-rate, and tiered pricing side by side, so the recommendation is based on your numbers, not a guess.
What's actually wrong with tiered pricing?+
Nothing inherently — but the "qualified/mid-qualified/non-qualified" buckets are controlled entirely by your processor, with no independent way to verify a transaction was priced correctly.
Will my rate go up after the first year like it usually does?+
Rates are locked in, and any change requires your approval — no automatic annual hikes buried in a contract renewal.
What is effective rate, and why do you keep bringing it up?+
Your effective rate — total fees divided by total volume — is the only number that's comparable across pricing models. A low advertised rate on the wrong model can still mean a high effective rate.
Other ways FT5 can help.
Ready to get started?
Free. No obligation.
Our consulting is free. The processor you pick pays us, not you. Most statement audits come back in about 15 minutes.