Programs Built Around Your Volume
Cash discount pricing that can take your processing cost to zero, our most popular program by far. Plus Interchange+ rates in writing, select POS systems and terminals at no cost for qualified merchants, and high-risk welcome.
Three Ways to Price
One of them is yours. Transparent pricing, simple terms. Pick the structure that fits how you sell, we'll confirm the right one after reading your statements.
A flat fee applied to credit card payers only. Cash and debit are untouched.
customer's total
- 4% passed to the customer on credit
- Debit and cash unaffected by rule
- Configured to your state's requirements
- Signage and disclosure handled for you
- Straightforward for customers to understand
Dual pricing. You post a card price and a lower cash price, so card sales carry the processing cost instead of your margin.
on card sales
- Best program to pass all the fees
- Highest profit margins of the three
- Card price and lower cash price posted side by side
- Programmed into your terminal before it ships
- Fully compliant and clearly disclosed
You absorb the cost. Two clear structures: Interchange+ or flat-rate.
one fixed margin
- Interchange+: wholesale cost passed through, one disclosed margin on top
- Flat-rate: a single blended percentage on every sale
- Hybrid is often best for credit cards specifically
- Every line itemized on your statement
- Rate reviewed as your volume climbs
All programs require roughly $15,000 a month in card volume. Select POS systems and terminals available at no cost for qualified merchants. Approval takes about three business days; equipment follows once you're approved.
Cash Discount, Also Known as Dual Pricing
The program most of our merchants run, and the fastest way to stop paying to get paid. You post two prices: a card price and a lower cash price. Customers who pay by card cover the processing cost, so the fee that used to come out of your margin effectively disappears.
- Card and cash prices shown side by side, fully compliant and clearly disclosed
- Processing cost offset toward $0 on card sales
- Programmed into your terminal or POS before it ships, so there is nothing to calculate at the counter
- Works in-store, online, and on mobile readers
Four Ways to Get Paid
Pick the hardware that fits how your customers actually pay. Mix and match across locations, one account covers all of it.
Full point-of-sale
Register, inventory, staff, and reporting in one system. Built for restaurants and multi-station retail, with tableside and kitchen options.
Mobile reader
Take payments anywhere. Pairs with your phone or tablet over Bluetooth, all-day battery, perfect for markets, trades, and pop-ups.
Countertop terminal
The workhorse for any storefront. Chip, tap, swipe, and mobile wallets, with a built-in receipt printer and PIN pad.
Online gateway
A hosted checkout and API for your site, plus invoicing and recurring billing. Reporting you can actually read.
Free Equipment, No Strings
Most processors lease you a terminal at three or four times its cost and lock you in for years. We don't lease. If you process $20,000 a month or more, the equipment is yours to use at no charge for as long as you're with us.
Check what you'd qualify for →DynoPay vs. a Typical Processor
Same card networks, same acquiring banks, but a very different way of doing business. Here's what actually changes when you switch.
Approved in About Three Days
No downtime, no re-application, no lost sales. Here's exactly how a switch to DynoPay runs, start to finish.
- Day 0
We read your statements.
Send us your last three processing statements. We read every line and show you, in writing, exactly what you're paying and where the padding sits.
- Day 1
You get the math.
Interchange+ pricing itemized against your current effective rate. The real cost, side by side, before you commit to anything.
- Days 1–3
Underwriting and approval.
Approval takes about three business days. We underwrite properly up front, which is why the accounts we open tend to stay open.
- On arrival
Equipment lands ready to go.
Terminals and POS ship already programmed for your account and your pricing program. Plug them in and you're taking payments the same day they arrive.
Let's Talk Pricing
Tell us how you sell and we'll tell you which program fits. Fifteen minutes, no obligation, and nobody hounds you afterward.