One markup. Published, and the same at every volume.
Interchange + 0.80% + $0.20 (Amex 0.90%, other 0.95%) · $25/mo
Pricing
Transparent interchange-plus. Pick your POS.
Processing is identical on every plan. The only thing you are choosing here is how much point of sale software you want.
Up to 2 terminals
- Standalone payments
- Tap to Phone
- Transaction reporting
- 24/7/365 support
Up to 15 terminals
Everything in Free, plus:
- Integrate to external POS
- Integrate to external processor
- Employee management
- Saberpay online menu page
Up to 15 terminals
Everything in Lite, plus:
- Table management
- Commission-free online ordering
- QR order & pay
- Multi-location dashboard
- Advanced reporting
- Timekeeping
- Review management
Multi-location ops
Everything in Full POS, plus:
- Custom SLAs
- Advanced analytics
- Omnichannel integration
- Gift cards & loyalty
- Enterprise security
- Multi-location menu management
- Third-party integrations
- Dedicated support
Interchange-plus pricing on every plan: interchange + 0.80% + $0.20 (Amex 0.90%, other 0.95%). A $25/month merchant account fee keeps your account active. See terms for keyed-in and international exceptions.
The comparison
How Saberpay compares
Every processor pays the same wholesale interchange. The flat-rate processors most merchants use bake a large markup into one blended number. We show the interchange and add just 0.80% + $0.20, which usually lands below their blended rate.
| Processor | Online | In-person | Monthly / notable fees |
|---|---|---|---|
| Saberpay | Interchange + 0.80% + $0.20 | Interchange + 0.80% + $0.20 | $25/mo account · POS from $0 |
| Stripe | 2.9% + $0.30 | 2.7% + $0.05 | No monthly fee |
| Square | 2.9% + $0.30 | 2.6% + $0.15 | $0 / $49 / $149 plans |
| PayPal | 2.99% + $0.49 | 2.29% + $0.09 | No monthly fee |
| Shopify Payments | 2.9% + $0.30 | 2.6% + $0.10 | $39–$399/mo plan |
| QuickBooks | 2.99% invoiced | 2.5% swiped | Plan-dependent |
| Braintree | 2.59% + $0.49 | Not offered | No monthly fee |
| Amazon Pay | 2.9% + $0.30 | Not offered | No monthly fee |
| Chase (WePay) | 2.9% + $0.25 | Custom | No PCI / cancellation fee |
| Authorize.net | 2.9% + $0.30 | Not offered | $25/mo gateway + $49 setup |
Competitor rates are their published blended flat rates, which already include interchange plus their own markup in one number. Saberpay shows interchange separately and adds only the markup above. Estimated Saberpay effective rate is typically 2.5% to 2.7%, confirmed on your first statement.
Domestic (US) rates, mid-2026. Rates change, so verify against each provider's live pricing page before relying on them.
The fine print, in plain words
Interchange-plus pricing on every plan: interchange + 0.80% + $0.20 (Amex 0.90%, other 0.95%). A $25/month merchant account fee keeps your account active. See terms for keyed-in and international exceptions.
Interchange is a wholesale floor set by the card networks. Every processor pays it and none of us control it. The only number we set is the markup on top, which is why we print it rather than blending it into one figure.
FAQ
The honest answers
Check it against your own statement.
Upload your last three and we will show you the real number, even when it says you are already on a good rate.