- Honest and Reliable
Simplifying Merchant Services for Your Business
Equitable Payments helps businesses find the best solution for their credit card processing needs — with transparency, support, and savings you can trust.
- Trusted Partners
Understand Your Fees
Want to get a better grasp on what you’re actually paying in fees? Most merchants either have no idea what they’re really paying or believe they’re getting a rate that they’re actually not receiving because of incorrect information from their provider. We’re happy to help teach you how to correctly read your statement and understand your fees.
How Can We Help You?
- Credit Card Processing
- Fleet Cards
- Flex Cards
- Cash Advance
- Gift and Loyalty
- Check Services
- POS Systems
- Terminals
- High Risk Processing
- ATM
- Wholesale Payroll Services
- About Equitable Payments
Reliable Digital Payment Solutions
The merchant services industry is vital, yet often frustrating for businesses. Many have faced hidden fees and unclear pricing. Equitable Payments was founded to restore trust—educating merchants about their statements and helping them reduce unnecessary charges with honesty and transparency.
- There are two major categories that separate merchant services providers
- Our Services
Delivering Exactly What Your Business Needs
We focus on delivering a safe, seamless and honest payment experience for your business. You’ll get only what your business needs, you’ll understand the pros and cons of each option and know exactly how your pricing works.
Credit Processing
Accept all major credit cards, including Visa, Mastercard, Discover, and American Express, for retail, restaurant, e-commerce, and other industries.
PIN Debit
Accept secure debit transactions via PIN pads. These lower-cost, low-risk payments reduce fraud and improve transaction reliability for merchants.
Fleet Cards
Fleet cards are payment cards for businesses to manage expenses related to their vehicle fleets, such as fuel, maintenance, and other services.
Flex Cards
Flex cards manage flexible spending accounts (FSAs) for healthcare and eligible needs, accepted only by approved merchants for compliance.
Cash Advance
Get quick working capital to grow your business, buy equipment, or manage expenses with transparent and simple cash advance options.
Gift Loyalty
Drive customer growth and retention with custom gift and loyalty cards that increase repeat sales and attract new paying customers.
Check Services
Accept customer checks securely without trips to the bank. We verify payments, reduce fraud, and handle collections on bad checks.
POS Systems
Modern point-of-sale systems streamline checkout, boost productivity, track sales, and provide real-time reporting to help optimize merchant operations.
Card Terminals
Reliable card terminals process credit, debit, and gift cards. Choose from wired, wireless, or multifunction terminals with advanced features.
High Risk
We provide processing for high-risk or low-credit merchants with tailored solutions ensuring reliable approvals and safe payment acceptance.
ATM Services
Offer on-site ATMs for convenient cash access. Generate extra income while increasing customer satisfaction and store visit frequency.
Payroll Services
Partnered payroll services simplify wage management, taxes, and reporting—combining secure processing and competitive rates for all merchants.
- How We Work
4 Quick Steps To Get Educated
Our process is designed to be educational. We want you walk away with the knowledge of how your pricing works so that you can make good decisions for your business in the present and future.
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Contact Us
Reach out to let us know that you'd like to learn more about your rates.
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Submit a Statement
Send us a recent processing statement so we can create a pricing breakdown for you.
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Schedule a Call
We'll go over that breakdown and explain your pros and cons of your current pricing structure and explain how it can be improved.
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Decision Time
Whether your best option is with your current provider or someone else, we'll help you make the right decision for your business.
- Merchant Pricing
Understand How Pricing Works
There are several factors that play into the determination of fees for each transaction. Charges vary based on the type of card, how it’s processed and your industry. Let’s go over the basics.
Debit vs Credit
Credit cards carry more risk than debit cards so they charge higher fees
In-Person vs Keyed
In-person transactions are safer than keyed-in transactions so they result in lower fees
Rewards Level
The more rewards the card offers the buyer, the higher the fee that is charged to the merchant
Business vs Consumer
Business cards, on average, charge higher fees than consumer cards
- Pricing Structures
Learn About the 2 Major Pricing Structures
The majority of businesses fall under some form of tiered pricing. They may have most transactions fall under a single rate or they may have a typical 3 or 4 tier structure. Other businesses, including the largest companies in the country, will have a structure that charges fees based on the hard costs (known as interchange) for transactions plus a small markup on top. This structure is known as interchange plus (or cost plus). Let’s break down how these structures work.
There are over 300 different interchange rates. The rate is dependent on the type of credit or debit card, the way the card information is captured, and the industry accepting the card. In tiered pricing, all 300 rates are placed into one of three (sometimes more) categories: Qualified, Mid-Qualified, and Non-Qualified. Tiered pricing is not advantageous for merchants who receive a variety of cards because there is often a large markup on a majority of the cards, as displayed here.
- Often used by big processors
- Only shows 3 “tiers” but hides 300+ true interchange rates
- Can lead to higher markups and confusing charges
Qualified
- Visa Retail — 1.51%
- MasterCard Merit III — 1.58%
- Visa Debit — 0.05%
- MasterCard Debit — 0.05%
- Visa Restaurant — 2.10%
Mid Qualified
- Visa Rewards II — 1.95%
- MasterCard Merit I — 1.89%
- Visa Key Entered MOTO — 1.80%
- MasterCard Merit III World — 1.77%
- MasterCard Data Rate III — 1.80%
Non Qualified
- Visa EIRF — 2.30%
- MasterCard Standard — 2.95%
- Visa Signature Standard — 2.70%
- MasterCard World Elite — 2.30%
- Visa Corporate B2B — 2.10%
Interchange Plus exists when a merchant gets access to all 300+ rate categories that interchange offers. The merchant will pay the exact interchange rate + processing fees + standardized markup.
- Access to real Visa/Mastercard rates
- Pay exact interchange + small processing fee
- The most transparent, cost-effective option
Qualified
- Visa Retail1.51% → 1.81%
- MasterCard Merit III1.55% → 1.85%
- Visa Debit0.05% → 0.35%
- MasterCard Debit0.05% → 0.35%
- Visa Restaurant2.10% → 2.40%
Mid Qualified
- Visa Rewards II1.95% → 2.25%
- MasterCard Merit I1.89% → 2.19%
- Visa Key Entered MOTO1.80% → 2.10%
- MasterCard Merit III World1.77% → 2.07%
- MasterCard Data Rate III1.80% → 2.10%
Non Qualified
- Visa EIRF2.30% → 2.80%
- MasterCard Standard2.95% → 3.25%
- Visa Business CNP2.95% → 3.25%
- MasterCard World Elite2.30% → 2.60%
- Visa Corporate B2B2.10% → 2.40%
- FAQs
Frequently Asked Questions
- Let's Contact Us
Get In Touch
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