Merchant Details
Total monthly credit/debit sales
Used to estimate transaction count and per-item fees
Affects interchange cost estimate
Square
2.6% + $0.10
Stripe
2.7% in-person
Toast
2.49% + $0.15
Clover
2.3% + $0.10
PayPal Zettle
2.29% + $0.09
Fiserv / FD
Tiered ~2.8%
Elavon
Tiered ~2.7%
Other / Custom
Enter manually
How Pricing Works
Flat rate processors (Square, Stripe, Toast, Clover) charge a fixed % on every dollar. Simple, but expensive. They profit from the spread between what they pay Visa/MC and what they charge you.
AllProPay — Interchange Plus (IC+) passes through the actual Visa/MC wholesale rate, then adds a small markup. Transparent. No blending. Merchants with lower-risk card mixes pay less.
Average interchange for most in-person verticals is 1.45–1.75%. IC+ 0.15% means total effective rate is usually 1.60–1.90% — vs 2.49–2.70% flat.
Interchange Benchmarks by Vertical
| Vertical | Avg IC | APP Effective |
|---|---|---|
| Auto Repair | 1.55% | ~1.72% |
| Restaurant | 1.65% | ~1.82% |
| Retail | 1.50% | ~1.67% |
| HVAC / Contractor | 1.80% | ~1.97% |
| Salon / Spa | 1.60% | ~1.77% |
| E-Commerce | 2.10% | ~2.27% |
Annual Savings Switching to AllProPay
$0
per year
Them / Month
AllProPay / Month
APP Effective Rate
Cost Breakdown
Pitch Script
Visual Chart
Objections
Current Processor
Monthly Total
AllProPay IC+
Monthly Total
| Metric | Current Processor | AllProPay | Difference |
|---|
🎤 Closer Pitch Script (Personalized)
📋 Quick Text Pitch (for follow-up SMS)
Monthly Cost Comparison
Annual Savings Over 3 Years
⚠ Common Objections — Personalized Responses