United States
Low-cost payment processing
More choices. More ways to save.
At Payroc, our partners and merchants have the power to choose how they manage payment costs. Our low-cost pricing programs are designed with savings at the core, giving merchants the ability to reduce, or even eliminate, processing fees—and keep more of what they earn. With options that work across all major card brands and payment methods, you can deliver a cost-effective payment experience that supports revenue growth and gives customers the clarity they expect.
RewardPay Choicecompliant surcharge program
Merchants can save 50-70% on credit-card processing costs.
RewardPay Choice helps merchants save on credit-card processing by adding a small, fixed-percentage surcharge to each transaction. The surcharge is paid by the cardholder at checkout, allowing merchants to keep the full sale amount.
Why merchants love it:
- Significant savings—keep more of your revenue.
- Fully compliant with card brand and state rules. *
- No surprise fees—merchants can set their own surcharge rate (up to 3%). **
- *Compatible in every state except CT, NY, MA, and ME
- **up to 2% in OK
ConsumerChoicedual-pricing program
Merchants can save 100% on processing costs.
ConsumerChoice offers merchants the flexibility to pass along processing costs to customers by setting two prices: one for all card payments and a discounted cash (or ACH) price.
Give customers the choice to pay with their preferred method while eliminating card processing fees, helping merchants save money on every transaction.
Why merchants love it:
- Optimal savings—maximize your revenue
- Fully compliant with card brand and state rules
- Customer choice—empowers your customers to consider and choose payment method
Service-fee programsavings for municipalities
Payroc’s Service-Fee Program is designed for eligible merchants like government entities and educational institutions to eliminate payment-processing costs.
How it works:
- A predetermined service fee is added to each transaction and paid by the cardholder.
- The full payment amount is deposited into your account.
- The service fee is deposited into a separate account and used to cover processing costs.
Merchants can accept payments online, in person, and over the phone.
Service fees are clearly itemized and separated from the payment total.
MCC 9311 – Tax | MCC 9222 – Fines | MCC 9211 – Court Costs | MCC 9399 – Misc. Gov. Services | MCC 8220 – College Tuition | MCC 8244 – Business and Secretarial Schools | MCC 8249 – Trade Schools | MCC 8211 – Elementary and Secondary Schools
IC+ and IC++
Keep your customers out of processing—fully own costs while maximizing savings.
Want total clarity on processing costs? Payroc’s Interchange Plus (IC+) and Tiered (IC++) models give merchants a line-by-line breakdown of every fee, so they know exactly what they’re paying and why.
Our interchange structures work with most products and payment environments, providing both flexibility and control.
IC+: One simple markup on top of the interchange and card-brand fees. Can be paired with RewardPay Choice to manage debit card volume.
IC++ (tiered): Separate markups for qualified, mid-qualified, and non-qualified transactions for detailed transparency.
Prefer a more predictable cost? Flat-rate pricing is also available upon request: one simple rate that covers all fees for peace of mind.