Pricing that starts clear and gets personal.
Use this page to compare starting payment processing estimates, low-risk pricing, flat monthly fees, common pricing models, and industry pricing averages. Final pricing depends on your business type, website, processing history, chargeback risk, sales method, volume, average ticket, and bank review.
Starting flat-rate estimate plus $0.15 per transaction and $10/month.
Compare common pricing models.
The best pricing model depends on how your customers pay, your industry risk, and whether you want simple pricing or detailed cost-plus pricing.
Flat rate pricing.
Flat rate pricing is simple to understand because you see one percentage and one transaction fee. This is often the cleanest option for merchants who want easy quoting.
Interchange plus pricing.
Interchange plus pricing separates the card brand cost from the processor markup. This works well for merchants who want more pricing detail and transparency.
Fee offset programs.
Cash discount and surcharge programs may help eligible businesses offset card acceptance costs when set up with the right disclosures and rules.
What flat fees do you charge?
We keep flat fees simple. We only charge flat monthly fees, a small monthly minimum, and in certain cases PCI non-compliance.
Many statements include extra line items like risk monitoring, CBD monitoring, CBD compliance, PCI monitoring, PCI compliance fees, and other add-ons that may not be necessary. High Wire Payments keeps the structure cleaner by building expected cost into flat fees instead of stacking confusing monthly line items.
Real hemp client savings proposal.
This is based on a real hemp merchant savings proposal. The merchant moved forward with High Wire Payments and is still processing with me on this deal. It shows the monthly volume, the prior effective rate, the proposed High Wire effective rate, and how much cost was reduced by cleaning up the pricing structure.
| Item | Real numbers used | Rate applied | Total |
|---|---|---|---|
| Monthly processed volume | $77,997.14 | 507 transactions | Used for rate comparison |
| Current processor cost | $2,840.60 in monthly fees | 3.64% effective rate | What they were paying before |
| Proposed High Wire cost | $2,297.92 in monthly fees | 2.95% effective rate | Proposed total monthly cost |
| Monthly overcharge difference | $2,840.60 - $2,297.92 | Old cost minus proposed cost | $542.68 |
| Annual overcharge difference | $542.68 x 12 months | Annualized extra cost | $6,512.16 |
| Three-year difference | $6,512.16 x 3 years | Projected long-term savings | $19,536.48 |
| VMD volume fee | $69,833.93 | 1.00% | $698.34 |
| VMD transaction fee | 475 transactions | $0.10 each | $47.50 |
| AMEX volume fee | $8,163.21 | 1.00% | $81.63 |
| AMEX transaction fee | 32 transactions | $0.10 each | $3.20 |
| Monthly flat fee | Monthly service fee | Flat fee | $19.95 |
| Total proposed fees | Processing fees + passthrough fees | Final proposed total | $2,297.92 |
Pricing range by industry.
These are flexible estimated ranges, not fixed rates. Your final quote depends on volume, risk, card mix, platform, compliance, and underwriting.
| Industry | Estimated pricing range |
|---|---|
| Kratom and botanicals | 2.80% to 4.20% |
| CBD and hemp | 2.40% to 3.50% |
| Hemp-derived cannabinoids | 2.80% to 4.50% |
| Firearms | 2.50% to 3.80% |
| Credit repair | 2.60% to 4.00% |
| Travel | 2.70% to 4.20% |
| Supplements | 2.50% to 3.90% |
| Smoke shops and vape | 2.80% to 4.40% |
| Subscriptions and continuity | 3.00% to 4.80% |
| Digital goods and services | 2.90% to 4.50% |
What affects your final quote.
Pricing gets more accurate when we understand four simple things.
What you sell.
Your products, claims, and industry type affect bank placement and risk review.
How much you process.
Monthly volume, average ticket, and largest transaction all help shape pricing.
Your processing history.
Current processor, chargebacks, refunds, and shutdown history can all affect final pricing.
Your payment setup.
Your website, gateway, POS, fraud tools, and checkout flow may add or reduce cost.
Want to know your real pricing?
Send your website, industry, monthly volume, average ticket, and current processor if you have one. Leah can help you understand which pricing path makes sense for your business.