One merchant ID covering the counter, the phone, the invoice and the website — priced through a program that keeps card cost off your books entirely.
Most merchants land on the zero-cost program. If surcharging isn't right for your market, the flat-rate and interchange-plus structures are on the same statement, with the same fees: none.
Hardware, gateway, reporting and dispute handling are part of the account, not a catalogue of add-ons.
Run the savings calculator →Written comparison in one business day, including what payroll adds back.