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Merchant Services Pricing for Card Processing

Straightforward pricing for small businesses

Monthly payment processing costs explained

We understand how crucial it is for small businesses to manage expenses. That's why we offer a straightforward pricing structure that makes it easier for you to estimate monthly processing costs. See below for details.

For select businesses, custom (Interchange Plus) pricing is also available.

No application fees, no monthly minimums, and no early termination or cancellation fees. Terms and conditions apply, so be sure to read your contract for full details.

Three steps to estimate your monthly merchant services costs

Step 1: Per-transaction rate

A per-transaction rate that’s the same for all types of cards.

View transaction rate details

Step 2: Add monthly service fee

A predictable service fee that’s calculated based on the way you process debit and credit card transactions.

View monthly fee details

Step 3: Add any applicable point-of-sale (POS) device costs

When using a POS device, there may be additional costs for software, apps, or wireless access.

View point-of-sale details

⁠Step 1: Per-transaction rate

Your cost per transaction won’t change based on the type of card your customer uses. The rate you’ll pay is based on:

  • Whether you accept most of your payments from consumers or from other businesses
  • Whether your customer’s card is physically present or not
  • Total monthly sales volume of the card transactions you process

As your sales grow and you meet the minimum for a lower rate in any given month, your rate will be automatically adjusted for the month.

Please reference either the business to consumer table below (if you primarily serve consumers) or the business to business table below (if you primarily serve other businesses).

Business to consumer (B2C) transaction fees

B2C merchants include restaurants, retailers, health practitioners, and any businesses that accept most payments from consumers. 

Your cost per transaction, based on the total dollar amount of card purchases you process in a month:

Total monthly processing volume
Per tap, dip, swipe transaction
Per online or keyed-in transaction
$0 - $14,999.99
2.60% + $0.15
3.40% + $0.15
$15,000 - $39,999.99
2.40% + $0.15
3.20% + $0.15
$40,000 & up
2.20% + $0.15
3.10% + $0.15

Business to business (B2B) transaction fees

B2B merchants include distributors, medical/dental suppliers, industrial suppliers, and any businesses that accept most payments from other businesses. 

Your cost per transaction, based on the total dollar amount of card purchases you process in a month:

Total monthly processing volume
Per tap, dip, swipe transaction
Per online or keyed-in transaction
$0 - $14,999.99
2.60% + $0.20
3.99% + $0.20
$15,000 - $39,999.99
2.50% + $0.20
3.75% + $0.20
$40,000 & up
2.40% + $0.20
3.50% + $0.20

Step 2: Add monthly service fee

You pay this fee with each monthly statement — regardless of processing activity.

If you take payments ...
Monthly service fee
In person (tap, dip, swipe) via terminals or Clover solutions.
$9.95 per location
Through your website’s shopping cart via our® e-commerce processing solution. Includes virtual terminal processing capability so you can also key in customer card information. Additional terms and conditions from apply for this service.
By keying customer card information into a virtual terminal via your web browser or by sending a digital invoice. The price remains the same whether you are using your own certified virtual terminal solution or a virtual terminal purchased through Wells Fargo.
Through a third-party hosted software solution that enables you to accept payments through your shopping cart, point-of-sale software or a web browser. Includes using your own software solution.

What the monthly service fee covers:

  • 24/7 live support
  • Reporting and analytics
  • Advanced risk and fraud monitoring
  • Tools to help you manage disputes
  • Payment gateway access (if you choose e-commerce payment processing)

Step ⁠3: Add any applicable point-of-sale (POS) device costs

We offer point-of-sale terminals and portable devices that allow you to accept debit and credit card payments onsite, online, or on the go.

Availability of certain software plans, apps, wireless access or functionality may vary based on your selected equipment or industry. These options can have associated fees which will impact your typical monthly expenses. Explore point-of-sale device options, and more, using the red button below.

Custom pricing

With this Interchange Plus pricing option, rates are based on what the card payment networks charge per transaction, and can vary from transaction to transaction. Call us at 1-866-609-3378 to learn more and determine if this pricing structure is right for your business.

Ready to take card payments from your customers?

Per online or keyed-in transaction

When customers are on the phone or on your website, a transaction is completed by keying in the card number in the device or online through an e-commerce gateway.

Per tap, dip, swipe transaction

When customers are at your location, they pay by swiping a card, dipping/inserting a chip card, or tapping/waving a contactless card or phone above the device. Contactless and mobile wallet payments include Apple Pay®.

Total monthly processing

Monthly processing volume is the total dollar amount of credit/debit card transactions you process in all of your merchant locations in a month including Visa, Mastercard, Discover, and American Express.

Interchange Plus is a pricing structure that passes interchange fees assessed by card issuers, and network and switch fees assessed by the card networks, directly to the merchant services customer (also known as a "merchant"). There are two primary components to interchange plus pricing:

  1. Interchange: This is the fee that's charged and set by card networks, like Visa and Mastercard, to process transactions. Payment processors, like Wells Fargo Merchant Services, do not control these rates; however, every merchant is required to pay them.
  2. Plus: This is the payment processor's charge per transaction on top of the interchange fee. This cost comes in the form of a percentage fee and/or a transaction cost.

Additional fees with Interchange Plus may apply, such as chargeback or monthly fees. We provide details about any additional fees on your monthly statement.

Clover devices with entry-level Clover Payments software also allow you to take payments through a web browser or mobile app and email invoices.