Our Pricing Model

Credit cards should work for you without adding exorbitant fees. So WPS partners with our clients to find the best merchant service options to suit their specific needs. To ensure clients get the best services for their business, we offer two pricing structures for credit card transactions.


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Interchange Pricing

Interchange Pricing

This is the most standard pricing structure and is typically used by large-volume businesses. Interchange Pricing is what credit card issuers like Discover and Visa charge merchants to process credit card and debit card transactions. The merchants then charge a markup on their products and services for that interchange. This additional markup allows the merchant to process that transaction and receive customer service as needed. 


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Flat Rate Pricing

Flat Rate Pricing

The Flat Rate pricing model is a fixed percentage added to each credit card or debit card charge. There are some Flat Rate models that include a per-transaction fee as well. Flat Rate is often a good model for companies that do not take credit card payments in person, or where no card is present. This plan is often used by smaller-volume companies.

Is Flat Rate pricing right for you?


  • How do I know which plan is right for me?

    Our friendly team of experts at WPS will work with you to assess your business structure and point-of-service transaction needs on the front end to determine the best options and pricing models for your merchant needs. Our goal is to keep your transactions safe and secure, and to save you money in the long run. Please contact us so we can develop a personalized recommendation.

  • Which pricing plan is better, Flat Rate or Interchange Plus?

    The right pricing plan depends on the nature of your business. In general: 

    • Flat Rate pricing works well for lower-volume businesses.
    • Interchange Plus works well for businesses that process more than 5,000 per month in sales.  

    It's understandable that you may still be unsure of the best choice. With our years of experience working with a wide variety of businesses, our experts are happy to learn more about your business and make a recommendation on the best pricing plan for you. Please call or email us today to get started.

  • How quickly can I get my money?

    At WPS, we offer same-day funding to customers who qualify. When closing out (batch out/settle) all of your transitions at the end of the business day, you can expect payments to be deposited in your bank account as soon as the following day.

  • What do I need to have on hand before I start an online merchant application?

    Before you start our merchant application process, please make sure you have the documentation you need on hand. We require a valid and working website link to your products/services, a federal tax ID number, access to view your bank account statements, and a driver's license number. If you have a currently operating business, we will want to see verifiable volume and will request to view a few months of processing from your current provider. This process ensures that we can make the best recommendation of services for your specific business needs.

  • Can I talk with someone about my specific business needs?

    Yes! Please call WPS or give us a chance to answer your questions via email. We also provide free-of-charge consultations. We look forward to learning more about your business and how to can provide personalized merchant services. Reach out today!


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