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Many payment processors like Stripe, Square, PayPal, and bank merchant services offer flat-rate processing. Some others, including Stax, offer subscription-style processing that gives you access to the lowest rates of interchange. Stax’ subscription pricing starts at just $99 per month. Q: How often do interchange fees change?
Payment processors who’ve popularized this model include PayPal and Square. Stax is one card payment processor that uses this pricing model. For example, a healthcare consultant specializing in emergency care and complex surgeries is likely to have a higher average transaction size. The opposite is also true.
In theory, you could accept third-party payment methods like PayPal, Apple Pay, or Google Pay without merchant services, but this would require individually setting up and integrating each one into your website or point-of-sale setup. With merchant services, you can integrate these capabilities into one cohesive system.
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