Transparent Pricing – Keep More of 

Your Working Capital

As a multi-business owner myself, I hate wasting money on processors. That's why Nexus uses interchange-plus pricing – the most transparent and usually the lowest-cost model for growing businesses like yours in Southern Utah and beyond.

Flat Rate vs Interchange-Plus – Which Saves You More?

   
Feature Flat Rate
(Square, Stripe, etc.)		 Interchange-Plus
(Nexus Favorite)
How pricing works One fixed rate (e.g. 2.9% + 30¢) Interchange (Visa/MC base) + small fixed markup
Transparency Low – fees bundled & hidden High – you see every fee clearly
Best for Very small volume or startups Most small/medium businesses (especially growing)
Typical savings Predictable but often higher 20–50% lower as volume increases
Monthly / hidden fees Usually none (but watch for PCI, etc.) Low or none – we keep it simple

Our Interchange-Plus Pricing – My Personal Favorite

Interchange is the base fee Visa & Mastercard charge the bank (usually 1.5–2.5%). We simply add a small, fixed markup for our service. No percentage games, no hidden monthly fees, no long-term contracts. This model keeps more working capital in your pocket – exactly what I want for my own businesses.

Example rates (estimates – actual interchange varies):

• In-person (swiped/tapped): ~1.95–2.10% + 8¢
• Online or keyed-in: ~2.20–2.70% + 10¢
• Debit (PIN): ~0.35–1.10% + 8¢

We don't hide fees. You see every line item on your statement.

Frequently Asked Questions

  What is interchange-plus pricing?
Interchange is the base fee set by Visa/Mastercard for each transaction. We add a small fixed markup (percentage + per-transaction fee) for processing, support, and compliance. It's the most transparent model available and typically the lowest cost for businesses with moderate to high volume.
Why do you prefer interchange-plus over flat rate?
I own several businesses myself. Flat-rate models (like 2.9% + 30¢) are simple but overcharge on low-cost transactions (debit, rewards cards). Interchange-plus shows the real cost and lets you keep more of your working capital – especially important as you grow.
Are there any hidden fees or monthly minimums?
No. We believe in transparency. No PCI compliance fees, no monthly minimums, no early termination penalties. You only pay for what you process.
Do you offer special pricing for medical practices or healthcare providers?
Yes – we understand medical offices have unique needs (HIPAA compliance, fast patient payments, recurring billing). We tailor interchange-plus rates and tools to help clinics, physicians, and dental practices keep more revenue.
How do I know if this will save me money?
Send us your last 1–3 statements – we’ll analyze them for free and show you exactly how much you could save with our model. No obligation, no pressure.
Is there a long-term contract?
No long-term contracts. Month-to-month flexibility – if we're not saving you money, you can leave anytime.
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