Pricing
Simple. Transparent. Built Around Your Business.
At JustPayments, we believe pricing should be easy to understand, fair, and aligned with how your customers actually pay.
Our most popular pricing model is Interchange Plus—the industry standard for transparent credit card processing.
Interchange Plus Pricing
The Most Transparent Way to Accept Cards
Interchange Plus means you pay:
The actual cost charged by the card networks (Visa, Mastercard, etc.),
plus
A small, clearly defined markup from JustPayments for processing and support.
There are no bundled rates, no guesswork, and no padding.
How Interchange Plus Works (Plain English)
Every time a customer pays with a card, the total fee is made up of two parts:
1. Interchange (Base Cost)
This is the wholesale cost set by the card brands and paid to:
- The customer's bank (issuing bank)
- The card network (Visa, Mastercard, etc.)
These rates are:
- The same for every processor
- Non-negotiable
- Based on card type (rewards, business, debit, etc.)
2. Plus (Our Markup)
This is the small, fixed markup JustPayments earns for:
- Payment processing
- Technology access
- Security & compliance
- Ongoing support
This is the only part we control—and the only part you can negotiate.
Why Small Business Owners Prefer Interchange Plus
Full Transparency
You see exactly what you're paying and why—no bundled or padded rates.
Lower Long-Term Costs
As your volume grows or card mix improves, your effective rate can go down.
Fair Across All Card Types
You're not overpaying for debit cards or simple transactions.
Easy to Compare
You can line up statements side-by-side and clearly see your savings.
What This Looks Like in Real Life
If a customer uses a rewards credit card:
- Interchange might be higher
- Your total cost increases slightly
If a customer uses a debit card:
- Interchange is lower
- You pay less for that transaction
You always pay the true cost—plus the same agreed markup.
Who Interchange Plus Is Best For
- Retail & specialty shops
- Restaurants (quick service & full service)
- Professional services
- Medical & wellness practices
- Growing businesses that value transparency
If you process a mix of card types, Interchange Plus often delivers strong long-term value. Actual costs and savings vary by card mix, volume, average ticket, and provider pricing.
Why JustPayments
Most processors advertise low rates—but hide margins inside bundled pricing.
We win when your processing is fair and sustainable.
Want to See What Interchange Plus Looks Like for Your Business?
We'll review your current statement and show you exactly how Interchange Plus would work—line by line.