Stop overpaying to get paid.
The wholesale interchange every processor pays, plus a flat 0.80% + $0.20. A point of sale that starts at $0 and commission-free online ordering. No surprise fees.
Trusted by the best in the business
What you get
Take payments, run the floor, keep the money
One account covers the card reader, the point of sale, and the part most processors would rather you did not look at.
Take payments anywhere
Tap to Phone turns the phone in your pocket into a card reader. No hardware to buy, no terminal to wait for.
Run the whole floor
Table management, QR order and pay, and commission-free online ordering, without handing a delivery app a fifth of the check.
- $0Free
- $30Lite POS
- $50Full POS
- CustomEnterprise
Keep more of every sale
You see the interchange and our markup as separate numbers, because they are separate numbers.
- Interchange
- 1.72%
- Network fees
- 0.34%
- Our markup
- 0.80% + $0.20
set by the card networks
identical for every processor
the only part we set
Why Saberpay
Built to be checked, not taken on faith
Every claim here is one you can verify against your own statement.
A markup that never grows
The same 0.80% + $0.20 at $5k a month and at $500k. Not a blended rate hiding a bigger cut, not a teaser tier you age out of.
- Interchange
- 1.72%
- Network fees
- 0.34%
- Our markup
- 0.80% + $0.20
set by the card networks
identical for every processor
the only part we set
Your money, the next day
Batch by about 10pm local and the funds are in your account the next business day.
- TonightYou batch by about 10pm local
- TomorrowFunds land in your account
A person actually answers
Bilingual support, trained on how your business runs. No phone tree, no chatbot, no callback that never comes.
Works with what you already run
Keep your point of sale and even your existing processor integration. There is no rip and replace here.
- Aireus
- Brink POS
- Chexit
- Dinerware
- Focus
- Agilysys
- Micros 3700
- Micros Simphony
- NCR Aloha
- POSitouch
- SoftPoint
- Spark
- Squirrel
- Xpient
Start with what you already have
Take your first payment on the phone in your pocket, and keep the point of sale and integrations you already run.
No hardware required
Start on the phone you already own.
Keep your integrations
Lite POS and up connect to what you run.
How it works
Switching takes days, not months
Keep your hardware or use ours. No rip and replace, no downtime at the counter.
Send us a statement
Your last three, or just last month. We read them so you do not have to.
See your real rate
Your true effective rate and card mix, calculated from your own numbers, not an estimate.
Apply in about two minutes
One short form. Looking costs you nothing and commits you to nothing.
Underwriting
One to three business days. We keep you posted rather than leaving you guessing.
Go live
An onboarding call to get you set up, then you are taking payments.
One restaurant was paying about $726 a month for point of sale software, on top of roughly $1,800 a month in card fees.
Pricing
Transparent interchange-plus. Pick your point of sale.
Processing is the same on every plan. The only thing that changes is how much software you want.
Free
$0/mo
Up to 2 terminals
Lite POS
Popular$30/mo
Up to 15 terminals
Full POS
$50/mo
Up to 15 terminals
Enterprise
Custom
Multi-location ops
Interchange + 0.80% + $0.20 (Amex 0.90%, other 0.95%) · $25/mo
FAQ
The honest answers
How does interchange-plus pricing work?
Every processor pays the card networks the same wholesale interchange. That part is a fixed floor nobody controls. On top of it, we add one transparent markup: 0.80% + $0.20 per transaction for Visa, Mastercard, and Discover (0.90% for Amex, 0.95% for other cards), plus a $25/month account fee. Flat-rate processors bury a bigger markup inside a single number like 2.9%. You only pay the interchange your cards actually cost, plus our small, published markup.
Do I have to replace my hardware?
No. Lite POS and up integrate with your existing POS and processor. Bring what you have, no rip and replace required.
How is this cheaper than Square or Toast?
Square, Toast, and similar flat-rate processors quote one blended number (often 2.6% to 2.9% plus a fixed fee) that hides a large markup over interchange. We charge the real interchange plus a published 0.80% markup, which usually lands well below their blended rate, with no per-terminal software markup on the lower tiers. Run your numbers in the calculator above, then confirm the exact figure with a 2-minute statement analysis.
See the rate for yourself.
The application takes about two minutes, and underwriting comes back in one to three business days.