The Truth About Payment Processing
Stop Giving Away Your Profits to Hidden Fees
Most processors hide your true costs in "flat rates." We provide a transparent, custom-built setup that saves the average business $15,000+ annually.
Send us your last statement. No commitment. 100% Confidential.
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Businesses Served
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Saved for Clients
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Average Savings
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U.S. Support
Where We Began
Built on a Simple Principle
PayRight Systems was founded after watching too many small business owners get burned by the same story: a processor promises a low rate, the merchant signs, and then the real costs quietly pile up through hidden fees, inflated markups, and annual price hikes that nobody warned them about.
We built PayRight to do the opposite. No bait-and-switch. No buried fees. Just a straightforward partnership where you know exactly what you're paying, why you're paying it, and what you're getting in return. That's the foundation everything here is built on.
The Industry's Dirty Secret
The "Flat Rate" Trap
The industry has done a great job making pricing feel confusing and "standard." That usually works in the processor's favor—not yours.
What They Advertise
2.9%
+ $0.15 per transaction
What You Actually Pay
4.0%
Your real "effective rate"
Here's What They Don't Tell You
That attractive 2.9% + $0.15 "flat rate"? It's a marketing number. When you factor in rewards cards, business cards, keyed-in transactions, and different card types, your effective rate often balloons to 4% or more. Most business owners never see this because it's buried in confusing statements.
What We Do
Transparent Processing, Real Results
We audit your current statement, identify every hidden fee, and then build a pricing structure that actually makes sense for your business. Whether you need Interchange Plus, Dual Pricing, or a Surcharge program, we match the right model to your volume, card mix, and customer base.
Every merchant gets a dedicated rep, a rate lock guarantee, and a statement they can actually read. No call centers. No runaround. Just a direct line to someone who knows your account.
Full Statement Transparency
We decode your current processor's statement line by line — identifying every markup, surcharge, and junk fee — so you see exactly where your money is going before you make any decision.
Custom Pricing Architecture
No one-size-fits-all rates. We design your pricing model around your actual transaction mix — card types, ticket size, volume — to minimize your effective rate from day one.
Rate Lock Guarantee
Your rate on day one is your rate on day 1,000. We contractually lock your pricing so there are no surprise increases, no mid-year adjustments, and no fine print to worry about.
Discover Your True Costs
Savings Calculator
Don't know your effective rate? No problem! Enter what you think you're paying, and we'll show you what you're likely paying.
Your Current Setup
Your Reality Check
Your Likely Effective Rate
Based on industry data, businesses paying an advertised 2.9% typically have an effective rate of 3.7% to 4.7% when all fees are included.
Estimated Annual Savings
$15,420
Monthly Savings
$1,285
Per Transaction
$2.57
Want to know your actual effective rate? Send us your statement for a free analysis.
Why Does My Effective Rate Spike Above the Advertised Rate?
Understanding this is key to taking control of your payment costs.
1Different Card Types Have Different Costs
Not all cards cost the same to process. A basic debit card might cost 0.5%, while a rewards credit card could cost 2.5% or more. Corporate and business cards often cost even higher. When your processor quotes "2.9%," that's typically the rate for the cheapest card type—not the premium cards your customers actually use.
Example Card Costs
2Hidden Fees Add Up Quickly
Beyond the percentage rate, processors often add surprise rate increases, monthly service fees, PCI compliance fees, batch fees, and statement fees. These aren't included in the "advertised rate" but they're definitely included in what you pay—and they compound over time.
Common Hidden Fees
The Bottom Line
Your "effective rate" is what you actually pay when you divide your total processing fees by your total sales volume. This number is almost always higher than the advertised rate—sometimes significantly. The only way to know your true cost is to calculate it from your actual statements, which is exactly what we do in our free audit.
Transparent Pricing Options
Choose Your Pricing Model
We help you find the right structure for your business. Here's exactly what each option looks like.
Dual Pricing
Best for: Maximum savings
Both debit and credit card fees are passed on to the customer through displayed cash and card prices.
Example: $100 Sale
Customer sees both prices at checkout
Surcharge
Best for: Near-zero credit costs
The merchant takes ownership of debit card fees while credit card customers pay a 3% surcharge.
Example: $100 Sale
3% added to credit only
Interchange Plus
Best for: High-volume businesses
You pay the true interchange cost set by card networks plus a small, fixed markup. Full transparency with the lowest long-term cost.
Example: $100 Sale
True cost visibility
See The Difference
PayRight vs Top Processors
Compare our transparent pricing to Square, Stripe, and traditional processors over 3 years.
| Processor | Year 1 | Year 2 | Year 3 | 3-Year Total |
|---|---|---|---|---|
| PayRightRate Lock | $9,600 | $9,600 | $9,600 | $28,800 |
| Square | $17,400 | $18,270 +5% | $19,184 +5% | $54,854 |
| Stripe | $17,400 | $18,270 +5% | $19,184 +5% | $54,854 |
| Traditional Processor | $24,000 | $25,200 +5% | $26,460 +5% | $75,660 |
Based on $50,000 monthly processing volume. Competitors typically raise rates 5-10% annually.
Fees We Don't Charge
Unlike other processors, we believe in complete transparency. Here's what you'll never see on your statement:
Real People. Real Results.
Trusted by Business Owners Like You
"PayRight made our transition incredibly easy. The system works flawlessly, support has been excellent, and we're now paying significantly lower rates than before."
Marco Benedetti
Owner • Scooter & Vespa Shop
The PayRight Difference
Why Choose PayRight?
Transparent, Fair Pricing
Know exactly what you're paying with every transaction. No surprises, no hidden costs—just fair pricing you can trust.
Modern, Compliant Technology
We stay ahead of the curve by retiring outdated equipment and providing up-to-date payment technology. PCI-compliant and secure.
Solutions Built for Your Industry
From retail and restaurants to healthcare, we understand that no two industries operate the same. Our solutions fit your workflow.
Reliable, Human Support
Our U.S.-based support team is available 24/7. While others treat support as an afterthought, we make it a core part of the experience.
Over 50% of Businesses Are Locked Into Overpriced Processing
Software vendors have monopolized payment processing by making businesses believe they're "locked in" to a specific processor. That's a myth designed to keep you paying inflated rates. You have complete freedom to choose—and we integrate with 100+ software platforms across every industry.
The Lock-In Lie
- ✗"You must use our payment processor"
- ✗"Our software only works with our processor"
- ✗"Switching processors will break your system"
- ✗"Integration with other processors isn't supported"
The Truth
- ✓You can use ANY processor with your software
- ✓Standard API integrations work universally
- ✓Switching processors is seamless and safe
- ✓PayRight integrates with 100+ platforms
Plug-In Ready
We integrate with the software you already use — across healthcare, events, marinas, funeral homes, and every other industry.
ServiceTitan, ModMed, Tripleseat, Dockwa, Passare, Oracle NetSuite, and 100+ more. No lock-in. No limitations. Just better rates.
What We Offer
Everything You Need, Nothing You Don't
Every PayRight merchant gets a complete suite of tools and protections — no upsells, no tiers, no surprises.
INTERCHANGE PLUS
True cost pricing with a fixed, transparent markup
DUAL PRICING
Offer cash and card prices to eliminate processing costs
SURCHARGE PROGRAM
Pass credit card fees to card-paying customers legally
RATE LOCK
Your rate is locked — no mid-contract increases, ever
NO HIDDEN FEES
No setup, no PCI, no statement, no junk fees
FREE AUDIT
Full statement analysis before you commit to anything
24/7 SUPPORT
Live U.S.-based support available around the clock
MULTI-LOCATION
Unified reporting and pricing across all your locations
Start with a Free Statement Audit
Send us your last processing statement and we'll show you exactly what you're paying, what you should be paying, and how much you'd save by switching. No commitment required.
We Work With Everyone
Every Business Deserves Fair Pricing
No matter your industry, size, or transaction volume—we have a solution tailored for you. Here are just some of the businesses we proudly serve:
Restaurants & Bars
Retail Stores
Healthcare
Professional Services
Auto & Repair
E-Commerce
Construction
Education
Non-Profits
Travel & Hospitality
Wholesale & Distribution
And Many More...
Don't see your industry? We still want to help!
Ready to Stop Overpaying?
Get your free, no-obligation fee audit. We'll analyze your current statement and show you exactly where you're losing money.
Or email us directly at [email protected]