AllProPay
/ Closer Tools
⚠ Internal — Closer Use Only
📊 Margin Calculator
🔀 North vs PayARC Router
Merchant Info
Claimed Monthly Volume ($)
Tool will discount to 70% automatically
Pricing Type
— Select —
IC+ (Interchange Plus)
Edge (Surcharge Program)
Edge Plus (Chris's Cashback Model)
Deal Length Expectation
Likely 1 year (risky)
Likely 2 years
3+ years (loyal)
Pricing Details
Markup % (AllProPay Net)
Typical range: 0.50% – 0.80%
Surcharge % (Cardholder Pays)
Standard range: 3.5% – 4.0%
Surcharge % (Cardholder Pays)
Edge Plus range: 4.5% – 5.0%
Merchant Rebate %
% of volume returned to merchant monthly
Processor
Compare Both
North (NAB)
PayARC
Extras (Optional)
Setup Fee ($)
One-time fee billed to merchant — pure margin
PayARC Approval Tier (this month)
5–9 approved ($100/activation)
10–14 approved ($125/activation) ← current
15–19 approved ($150/activation)
20+ approved ($175/activation)
Calculate →
Results — Deal Analysis
⚠ Clawback Risk (North Only):
Merchant is expected to stay less than 12 months. If they cancel before month 12, North
claws back the full upfront bonus
. Consider PayARC instead.
🎯 Recommendation
Question 1 of 5
What's the merchant's monthly processing volume?
Under $10K
$10K – $50K
$50K+
Question 2 of 5
What type of business?
Retail
Restaurant / Food Service
Service / Trade
Online / eCommerce
High-Risk Industry
Question 3 of 5
Does the merchant need or want Clover POS?
Yes — they want Clover
No — they have a POS or don't need one
Open to suggestions
Question 4 of 5
How urgent is this deal?
Need to be live this week
Flexible — no rush
Question 5 of 5
What's the merchant's risk profile?
Clean — no issues, established business
Some issues — new business, prior declines, or credit concerns
High risk — chargebacks, restricted category, or prior termination
Get Recommendation →