Three programs. Zero junk fees.
Pick the program that fits your business. We tell you the rate, the fee, and the math — and we put the numbers on your statement, not buried in a footnote.
Interchange Plus
For merchants doing $20K+/mo who want the lowest possible cost.
- Pass-through interchange — no markup tiers
- Detailed monthly statement, every fee itemized
- Free PCI scan + compliance assistance
- No long-term contract, no ETF
- Next-day funding available
Flat-Rate
Predictable rate, perfect for low-volume or seasonal merchants.
- One rate for every card type
- 2.9% + $0.30 for ecommerce / keyed
- Free terminal options (Clover Go / Valor RCKT)
- Next-day funding included
- Cancel anytime
Cash Discount
Effectively eliminate processing fees with a compliant program.
- Compliant Visa/MC/Discover disclosure
- Auto-toggle on cash vs. card
- Itemized savings on every receipt
- State surcharge cap awareness
- Free signage kit included
"Our effective rate dropped from 3.4% to 2.2% the first month. Their analyst walked us through every line item — no fluff, no upsell."Marcus W.Owner · Ember Auto · Phoenix, AZ
LEVEL 1
Type II
Certified
Accredited
See your savings live.
Drop your current numbers in. We'll calculate what you'd save switching to Xray.
Effective rate = total fees ÷ total volume. Bottom of your statement.
Send us your statement. We'll send back the truth.
Most merchants overpay because their statement is intentionally hard to read. We translate it line-by-line — and tell you exactly how much you'd save with us.
Pricing questions, answered.
Are there long-term contracts? +
No. Every Xray account is month-to-month. If you want to leave, you tell us — no early termination fee, no penalty.
What does "junk fees" mean? +
Annual fees, batch fees, monthly minimums, statement fees, regulatory recovery fees, free-terminal fees. We don't charge any of them.
Do you charge for PCI compliance? +
No. PCI scans and questionnaires are free with your account.
How fast is funding? +
Standard is next business day. Same-day funding is available for an extra $5/mo.
What happens if my rate goes up? +
It can't — we lock the markup over interchange. The only thing that ever changes is the network's interchange table itself, which we pass through transparently.
Will you beat my current rate? +
In 9 out of 10 statements we review, yes. If we can't beat it, we'll tell you — and recommend who would.