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PRICING PROGRAMS
Price the program.
Not just the transaction.
Mentom looks beyond a headline rate to evaluate how you sell, how customers pay, and what matters most to the business—cost visibility, simplicity, customer choice, or expense control.
Compare pricing approaches →PROGRAM FIT4 PATHS
THE SMARTER PRICING QUESTION
Which structure creates the best balance of cost, clarity, customer experience, and compliance?
Transaction channel, ticket size, card mix, customer expectations, equipment, volume, and applicable rules all affect the answer. Mentom helps compare those tradeoffs before the program is configured.
01TRANSPARENCY
Interchange Plus
See card cost and processing margin separately.
Card-brand and issuing-bank costs pass through with an agreed processing margin, making the components of acceptance easier to evaluate.
PROGRAM BENEFITS
✓Clearer cost visibility
✓Adapts to changing card mix
✓Strong fit for established processing volume
OFTEN A FIT FOR
Merchants that value detailed statements and transparent cost components.
Discuss this program ↗02CUSTOMER CHOICE
Dual Pricing
Present a card price and a cash price.
A configured dual-pricing program gives customers a visible choice between payment methods while helping the merchant manage card-acceptance expense.
PROGRAM BENEFITS
✓Preserves customer choice
✓Can reduce merchant processing expense
✓Equipment, signage, and setup support
OFTEN A FIT FOR
Eligible in-person businesses with a checkout experience suited to clear price presentation.
Discuss this program ↗03ELIGIBLE CREDIT
Surcharge
Offset eligible credit-card acceptance cost.
A disclosed surcharge can be applied to eligible credit-card transactions when the business, location, card type, and program configuration permit it.
PROGRAM BENEFITS
✓Designed for eligible credit transactions
✓Debit and prepaid transactions remain excluded
✓Program, disclosure, and signage guidance
OFTEN A FIT FOR
Businesses prepared to follow applicable law and current card-brand operating requirements.
Discuss this program ↗04PREDICTABILITY
Flat Rate
One simplified structure for easier planning.
A consistent processing rate reduces pricing complexity and makes acceptance costs easier to explain, estimate, and reconcile.
PROGRAM BENEFITS
✓Straightforward to understand
✓Predictable pricing structure
✓Simplified reporting and forecasting
OFTEN A FIT FOR
Merchants that prioritize simplicity over granular cost-plus reporting.
Discuss this program ↗PROGRAM RESPONSIBILITY
Configured carefully.
Operated responsibly.
Availability and configuration depend on business type, payment channels, location, applicable law, current card-brand and processor requirements, and underwriting approval. Surcharge programs are limited to eligible credit-card transactions and must exclude debit and prepaid transactions.
MODEL THE RIGHT APPROACH