Pricing Programs
Choose How You Want to Handle Processing Fees
ComoVa Payments helps businesses compare Traditional Processing, Cash Discount, and Credit Card Surcharging so you can choose the best pricing program for your customers, checkout experience, and monthly volume.
- No Contracts
- Free Equipment Options
- Merchant-First Support
Quick Overview
Cash Discount
You pay no fees
Up to 100%
Interchange Plus
You pay all fees
15–20%
Surcharging
You split the fees
40–60%
Payment Processing Pricing
Pick the Program That
Fits Your Business
Each pricing model handles credit card processing fees differently. Here is the simple breakdown.
Traditional Processing
Interchange + 15-20% Savings
Traditional transparent pricing where your business pays the processing fees directly. You see the card network cost plus the processor markup.
- Lower-cost pricing compared to many flat-rate processors
- Transparent monthly statement
- No change to the customer checkout experience
- Best for merchants who want full control
Best For
Businesses that want clear reporting and prefer to absorb the fees.
Most Savings
Eliminate Processing Cost
Cash Discount Up to 100% Savings
A cash discount program helps reduce processing costs by offering one price for card payments and a lower price for cash customers.
- Helps reduce processing costs
- Cash customers pay less
- Keep more of each sale
- Great for retail, restaurants, and service businesses
Best For
Businesses that want to reduce or offset most processing fees.
Lower Processing Cost
Surcharging 40-60% Savings
Surcharging allows eligible credit card fees to be passed to customers while your business continues paying debit card fees.
- You pay debit card fees
- Credit card fees passed to customers
- Cuts processing costs significantly
- Balanced option for customer experience
Best For
Businesses that want to lower costs while keeping a balanced checkout experience.
Compare Options
Traditional Processing vs
Cash Discount vs Surcharging
Use this quick comparison to understand the difference before choosing your setup.
Program
Who Pays Fees?
Customer Experience
Potential Savings
Good Fit
Interchange Plus
Business pays card fees
No added customer fee
15–20%
Merchants who want transparency and control
Cash Discount
Customers who pay by card help cover costs fees
Cash customers receive a lower price
Up to 100%
Retail, restaurants, and service businesses
Surcharging
Credit card customers cover eligible credit fees
Debit and cash customers avoid surcharge
40–60%
Businesses that want a balanced cost-reduction option
Simple Process
Start Processing in 3 Simple Steps
We help you choose the right pricing program, equipment, and setup.
1
Choose Your Pricing Program
Compare Interchange Plus, Cash Discount, and Surcharging based on your business type and monthly volume.
2
Pick Your Equipment
Select a smart terminal, countertop terminal, mobile reader, POS system, or virtual terminal.
3
Get Approved & Start
We handle setup, activation, and support so you can begin processing with confidence.
FAQ
Pricing Program Questions
Common questions business owners ask before switching payment processors.
What is Interchange Plus pricing?
Interchange Plus is a transparent pricing model where your business pays the card network cost plus a small processor markup.
What is a Cash Discount program?
Cash Discount gives customers a lower price when paying with cash while card-paying customers help cover processing costs.
What is Credit Card Surcharging?
Surcharging adds an eligible fee to credit card transactions while debit card transactions are handled differently under card brand rules.
Can I switch pricing programs later?
Yes. If your business changes, ComoVa Payments can help you evaluate and switch to a pricing program that better fits your needs.
Need Help Choosing the Right Program?
Tell us how your business accepts payments, and we’ll recommend the pricing program, terminal, and setup that makes the most sense.
- Call (949) 755-9474
Or
- hello@comovapayments.com