Transparent, Fair Payment Processing for Your Business

 

At Apex, powered by Beacon, we believe credit card processing fees shouldn’t be confusing. That’s why we use interchange-plus pricing—a simple, transparent model that ensures you always know exactly what you’re paying. No hidden fees. No inflated flat rates. Just honesty and savings.

What Goes Into a Credit Card Processing Fee?

 

Every card transaction includes three parts:

  1. Interchange Fees – Paid to the cardholder’s bank. This is the largest portion of the fee and varies by card type and transaction method.
  2. Card Brand Fees (Dues & Assessments) – Small fixed fees from Visa, Mastercard, Discover, or Amex.
  3. Processor Markup – A flat, transparent fee set by Apex, powered by Beacon.

 

Why Flat Rate Processing Costs You More

 

Flat-rate processors may advertise simplicity (like 1.59% + $0.25), but you end up paying far above wholesale—especially on debit and chip transactions that cost much less. Flat-rate blends all transactions together, forcing you to subsidize higher-cost card types.

With interchange plus, you only pay:

  • True interchange (the wholesale cost)
  • A card brand fee
  • A small, flat processor markup

👉 This means you save money, especially on debit and chip payments.

Updated Interchange Rates (2025 Estimates)

 

Want to Eliminate Processing Costs Entirely?

 

Apex also offers a Dual Pricing Program, letting you:

  • Display one price for cash/check payments
  • Display a slightly higher price for credit/debit card payments

This program is 100% compliant, transparent, and can eliminate nearly all of your card processing costs.

Real Business Impact

 

With interchange-plus pricing

✅ Lower rates on debit and chip transactions

✅ No more overpaying on low-risk card types

✅ Full visibility into every fee

With dual pricing:

✅ Offset nearly all card fees

✅ Keep more of your revenue

Get a Free Statement Review

 

Already processing payments? Send us your latest statement. We’ll show you, side by side, how much you could be saving with Apex powered by Beacon.

Why Choose Apex powered by Beacon?

 

  • Fair, transparent pricing – no hidden fees
  • Modern terminals & POS systems – chip, tap, and mobile ready
  • 24/7 U.S.-based support – always here when you need us
  • Multiple options – choose traditional interchange-plus or dual pricing