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Reduce or Eliminate Card Fees

Accept Cards At Lower Cost & Improve Margins

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IntelliPay Saves You Money

Are interchange or swipe fees your next highest cost after labor?  For many merchants, they are. The fees banks and card networks charge for processing credit and debit card transactions have more than doubled over the past decade and rose 16.7% last year.

IntelliPay helps merchants reduce or eliminate processing costs with consumer fee-based options, and by eliminating unnecessary or junk fees.

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IntelliPay AdavantageReduced & No Cost Solutions

A one-size-fits-all payment solution doesn’t work for all businesses and verticals. 

Each business and vertical has unique needs and IntelliPay offers alternative fee-based options in addition to a low-cost, traditional, merchant-pays-the-fees, processing solution.

Our convenience fee adds a small fee to all credit and debit transactions* Our surcharging fee recoups up to 3% of swipe fees on credit cards.  Government merchants pay 0% in processing costs with our service fee option.

SERVICE FEE - GOVERNMENT & EDUCATION

An alternative fee-based program for Government and Higher Education institutions* enables these organizations to charge a fixed or variable fee on all online or in-person credit or debit transactions.

Your organization gets the invoice amount due, and IntelliPay collects the service fee, pays the processing costs, and manages the merchant account for you.

 

Does

  • Add a fee to the amount due
  • Deposits invoice amount into your account
  • Deposits fee into IntelliPay’s account
  • Displays fee before payment
 

Does Not

  • Apply to all government/utility payments
  • Prohibit fees to vary by tender type
  • Limit payment channels

*Only institutions with the following Merchant Category Codes (MCC) are eligible to charge service fees – MCC 8211-Elementray /Secondary Schools, MCC 8220 – Colleges/Universities/Professional Schools/Junior Colleges,
MCC 9211 – Court Costs, MCC 9222 – Fines, MCC 9311 Tax Payments, MCC 9399 – Government Services

SURCHARGE FEE(Surcharging)

Ever-increasing processing costs have merchants seeking options to lower their processing costs.

One option a growing number of merchants are evaluating  is to shift some or all these costs back to consumers who choose to use credit cards.

Surcharging is when you add a fee to all purchases paid for with a credit card. This fee helps cover your credit card processing costs. Surcharging is legal everywhere except Maine, Massachusetts, New York, and Connecticut as of June 2024.  NY Merchants should check with their counsel before implementing surcharging.

 

Does

  • Surcharging adds up to a 3% fee when someone uses their credit card that’s tied to a rewards program.
 

Does Not

  • Surcharging doesn’t add the fee when someone uses their debit card that’s tied to a bank account (no rewards).

Get your questions answered. Surcharging FAQs

CONVENIENCE FEE

Our Convenience is ideal for merchants that want to offset their merchant processing fees.

Our solution is 100% compatible with Visa/MC Convenience Fee Processing program.

With Convenience Fee Model merchants charge a flat fee for the privilege of paying for a product or service using an alternative payment channel or a payment method that is not standard for the merchant.  For example, theatres are selling tickets online versus in their lobby.

 

Does

  • Support all credit and debit cards
  • Add a flat fee to the amount due
  • Combine the fee and the amount due into one payment
  • Apply to online, pay-by-phone, and other digital (card not present) transactions
  • Deposit invoice amount into your account
  • Reduce merchants processing costs
  • Require merchant to offer an option that does not charge a fee
 

Does Not

  • Apply to in-person (card present) transactions
  • Separate amount due and fee
  • Permit a fee that is a percentage of the transaction
  • Get charged in addition to a surcharge
  • Apply to recurring transactions

Traditional/Absorb Fee

This is the way most merchants accept payments today.

The merchant is responsible for paying all interchange, dues, assessments, PCI, and gateway fees on all online and in-person transactions.

 

Does

  • Support all payment card types
  • Works with in-person (card present) and digital (card not present) transactions
  • Have different fees by card and transaction type
  • Deposit the invoice amount into your account
 

Does Not

  • Share processing costs with customers
  • Interfere with compliance rules

The Right Solutions for my Business

Choosing a payment solution for your business doesn’t need to be overwhelming. At IntelliPay, we lay out all your options side by side below to make comparisons and the right decision easier. To get started, reach out to our team here.