What is interchange-plus pricing?

Interchange-plus pricing shows you the exact cost of each transaction — the interchange fee set by the card networks (Visa, Mastercard, etc.) plus a small, transparent markup from ONKORE. Unlike flat-rate or bundled pricing, you always know exactly what you're paying and can see when rates change. Actual savings vary by business — request a statement review to see how your current pricing compares.

Are there any hidden fees?

ONKORE emphasizes transparent pricing and provides the applicable fee schedule before activation. Fees vary by processor, pricing program, equipment, services, card mix, and merchant configuration, so review your merchant-specific quote and agreement for the complete cost structure.

How long does onboarding take?

Onboarding time varies by underwriting, processor, equipment, integration, and documentation requirements. ONKORE helps coordinate the migration and can review whether existing compatible hardware may be retained.

Can I keep my existing hardware?

Existing-equipment compatibility depends on the POS, terminal model, processor, encryption, software version, and configuration. ONKORE can review your current setup and identify supported options before recommending replacement equipment.

Do you require long-term contracts?

Month-to-month and no-long-term-contract programs may be available depending on the processor, product, equipment arrangement, and merchant-specific agreement. ONKORE will disclose applicable term and cancellation provisions before activation.

How fast do I get my money?

Funding schedules depend on processor, merchant approval, settlement cutoff times, risk review, banking arrangements, and program eligibility. Accelerated or same-day funding may be available to qualifying merchants where supported.

Trusted Payment Technology Advisor

Better Payments. Real Solutions. Real People.

Accept payments in person, online and on the go—with clear pricing, flexible POS tools and dedicated U.S.-based support.

Same-Day Funding Available*
Transparent Pricing
Dedicated U.S.-Based Support

Get My Free Payment Review Talk to a Payment Specialist

* Same-day funding is subject to eligibility, processor approval, transaction cutoff times, and banking availability.

Built for retailers, restaurants, healthcare, professional services, nonprofits, eCommerce, and growing businesses nationwide.

Get Started

How can we help?

Choose the path that fits where your business is today.

Already Accepting Payments?

Get a free, no-obligation analysis of your current processing statement.

Review My Statement

Looking for Payment Solutions?

Explore transparent pricing, hardware, and payment technology for your business.

Explore Solutions

Want to Learn First?

Browse guides, comparisons, and resources to understand your options.

Knowledge Center

Why businesses choose ONKORE

Why Businesses Choose ONKORE

Transparent Pricing

Clear pricing options and straightforward explanations.

Dedicated Support

Personalized assistance before, during, and after onboarding.

Modern Technology

Smart terminals, online payments, mobile acceptance, and virtual terminals.

Flexible Solutions

Payment options designed around each business model and industry.

Secure Payment Acceptance

Technology supporting EMV, contactless payments, and secure transaction handling.

Statement Analysis

A clear review of current processing costs and available options.

Payment technology at a glance

NO CONTRACTNO LONG-TERM CONTRACT

Freedom & Flexibility

TRANSPARENTTRANSPARENT PRICING

Clear Processing Costs

NO HIDDEN FEES

Straightforward Service

NATIONWIDE

U.S. Business Coverage

How to get started

How It Works

Three steps to transparent payments

Review Your Statement

Send us your current processing statement. Our team breaks down every fee, rate, and charge — completely free.

Get Your Custom Comparison

Receive a clear, no-obligation comparison of available payment solutions. Transparent pricing, no surprises, no pressure.

Guided Switching

Plan your transition with ONKORE guidance while preserving compatible hardware and software where supported. Timing depends on underwriting and configuration.

Explore ONKORE features

Why ONKORE

Everything you need to get paid smarter

Powerful payment tools designed for growing businesses — without the enterprise price tag.

Guided Setup

Get hands-on onboarding and setup support. Timing depends on underwriting, equipment, and configuration.

Payment Security Controls

Encryption, tokenization, authentication, and fraud-control capabilities vary by the selected processor, gateway, hardware, and configuration.

Real-Time Analytics

Track every transaction with detailed dashboards and exportable reports.

Mobile Payment Options

Accept payments away from the counter with compatible mobile readers, smart terminals, and supported Tap to Pay configurations.

Online Payment Options

Accept payments online through compatible gateways, hosted checkout, payment links, invoicing, and supported eCommerce integrations.

Dedicated Human Support

Talk to real experts who understand your business, with support and escalation during ONKORE service hours.

Trusted payment networks & methods

ACH

Contactless

Security and trust

Security & Compliance

Payment security, built in

Protect payments with encryption, tokenization, fraud-prevention tools, and security technologies designed to support PCI DSS compliance.

PCI DSS

PCI DSS Compliance

Payment solutions designed to support PCI DSS requirements and help merchants protect cardholder data.

Encrypted

Payment Encryption

Sensitive payment information is protected using encryption technologies throughout supported transaction flows.

Risk Tools

Fraud Detection

Fraud-prevention and risk-management tools help identify suspicious payment activity and reduce exposure to unauthorized transactions. 3D Secure may also be available for eligible card-not-present configurations.

Tokenized

Tokenization

Sensitive card information can be replaced with secure tokens, reducing exposure of card data within supported payment environments.

Secure Infrastructure

ONKORE works with established payment technology providers whose infrastructure incorporates security, availability, and data-protection controls.

Banking Partners

Established Banking Partners

Payment settlement services are supported through established acquiring and banking partners. Applicable deposit insurance is provided by eligible FDIC-insured financial institutions, not by ONKORE.

PCI DSS

PCI DSS Compliance

Payment solutions designed to support PCI DSS requirements and help merchants protect cardholder data.

Encrypted

Payment Encryption

Sensitive payment information is protected using encryption technologies throughout supported transaction flows.

Risk Tools

Fraud Detection

Tokenized

Tokenization

Sensitive card information can be replaced with secure tokens, reducing exposure of card data within supported payment environments.

Secure Infrastructure

ONKORE works with established payment technology providers whose infrastructure incorporates security, availability, and data-protection controls.

Banking Partners

Established Banking Partners

Payment settlement services are supported through established acquiring and banking partners. Applicable deposit insurance is provided by eligible FDIC-insured financial institutions, not by ONKORE.

PCI DSS

Encryption

Tokenization

Fraud Prevention

3D Secure Available*

Secure Processing

* Availability of specific security features may vary by processor, gateway, hardware, merchant configuration, and eligibility.

Payment Processing Rates

Transparent Processing. Competitive Rates.

See how ONKORE's interchange-plus pricing can work for your business.

In-Person

0.30% + 5¢

Plus interchange and applicable network fees

Keyed & Online

0.40% + 25¢

Plus interchange and applicable network fees

Same-Day & Real-Time Funding Options

Same-day funding and eligible real-time payouts may be available, subject to processor and receiving-bank eligibility.

Calculate Your Rates

Illustrative standard ONKORE markups only. Volume tiers and final pricing require approval.

Latest payment insights

Resources

Latest from the blog

Payment Processing6 min read

Interchange-Plus vs. Flat Rate: Which Is Right for Your Business?

Interchange-plus pricing shows your true card costs plus a transparent markup, so growing businesses usually pay less.

Fraud Prevention7 min read

7 Proven Ways to Reduce Chargebacks in Your Business

Seven practical strategies to prevent disputes, fight friendly fraud, and protect your revenue.

Business Finance5 min read

The Complete Guide to Next-Day Funding

Next-day funding deposits your transactions the next business day to strengthen your cash flow.

Payment Processing6 min read

Interchange-Plus vs. Flat Rate: Which Is Right for Your Business?

Interchange-plus pricing shows your true card costs plus a transparent markup, so growing businesses usually pay less.

Fraud Prevention7 min read

7 Proven Ways to Reduce Chargebacks in Your Business

Seven practical strategies to prevent disputes, fight friendly fraud, and protect your revenue.

Business Finance5 min read

The Complete Guide to Next-Day Funding

Next-day funding deposits your transactions the next business day to strengthen your cash flow.

View all articles