We set up card and ACH processing for businesses and the software they run on. Every fee is explained in plain English, nothing hides in the fine print, and if you're already getting a fair deal, we'll tell you.
Free. We read your recent statements, your card mix and your industry rules before we suggest anything.
We show you the program we'd pick, what it would have cost last month, and why. In writing.
Terminals, online checkout, invoicing, or a custom integration into the software you already use.
We watch your rates, answer the phone, and tell you before anything on your bill changes.
Every consultation comes with a real review, done by a person. If you stay where you are, you'll still leave knowing what to ask your processor.
We separate what the card networks charge from what your processor adds, and flag every fee worth questioning.
Surcharge checkWe check your state's law, the card network rules and your setup, and tell you plainly what's allowed.
Software fitTell us the software your business runs on. We'll tell you if it works today, if it's worth building, or if we're not the fit.
A conversation with someone who reads processing statements for a living. You'll leave knowing your real rate. No contract to talk.
We work across too many industries for one price list to be honest. A dental office and a software platform shouldn't pay the same way. So here's how each program works, who it fits, and what you'll see on your statement. Your consultation gets you real numbers for your business.
Paid to the bank that issued your customer's card. Visa and Mastercard publish the rates and update them each April and October. Same cost for every processor.
Paid to Visa, Mastercard, Amex and Discover for running the network. Small, and identical for every merchant.
Everything else. This is the only part anyone can negotiate, and the part most statements make hardest to find.
You pay interchange and network fees at cost, plus one markup shown on its own line.
One blended percentage plus a per-transaction fee, whatever card is used.
You show two prices for everything, cash and card. The customer picks how to pay.
Your posted price includes the cost of accepting cards. Customers paying cash get a discount.
A fee added to credit card payments to cover your cost of acceptance.
Payments pulled straight from a bank account, for a flat fee per payment instead of a percentage.
Business and government cards qualify for lower interchange when the payment carries line-item detail.
If your software runs payments for your customers, you earn a share of what's earned on every transaction.
These are the line items that turn a good advertised rate into a bad effective one. If you see them on your statement, ask what they're for.
Your customers already run their business in your software. Payments belong there too, with a share of every transaction coming back to you.
Flat-rate platforms trade margin for speed. That's the right trade on day one. It stops being the right trade once payments show up as a real line on your P&L.
A blended rate bundles interchange, network fees and the processor's cut into one number. None of it comes back to you.
When an automated risk system holds your funds, you want a person who already knows your business.
Dual pricing, Level 3, in-person and online in one place, a workflow no off-the-shelf checkout covers.
When we're not the fit: pre-launch and need your first payment next week? Start with Stripe. Come back when the fees are big enough to matter.
Checkout, receipts and emails that look like your product, not ours.
A share of what's earned on every transaction your customers run, reported monthly.
Hosted payment fields keep card numbers off your systems and your security paperwork short.
Saved cards refresh automatically when banks reissue them, so billing doesn't break.
Recurring billing with automatic retries. Card and ACH on the same engine.
Terminals, virtual terminal, ecommerce and invoices on one dashboard and one statement.
Custom integrations are built with our engineering partners and scoped case by case. We don't take every build. The consultation is where we figure out together whether yours is worth doing.
Every consultation includes the checks below. You keep the results either way.
Payments has a reputation for fine print. We'd rather be the company you can check up on.
Almost everyone we work with was introduced by someone they trust, and that person is usually on the first call with us. That keeps us honest: a bad deal doesn't just lose a client, it costs a friend their credibility.
SundayPay is based in Kansas City.
Tell us a little about your business. We'll reach out within one business day to set up a time, and send a secure link for your statements.