How much of the 3.5% do you want back?
Taking cards costs a typical shop about 3.5% of volume.* Dual pricing puts nearly all of it back in your margin. Base-plus-card-cost trims it and keeps one posted price. Slide your volume to see both numbers, live.
*3.5% is the typical merchant’s current blended processing cost (industry average), not an Arca rate. The Swiped Program keeps one posted price at a flat rate set on your proposal.
See what dual pricing could save you.
Move the slider. Watch what comes back.
Methodology: assumes a 3.5% blended effective rate offset via a compliant dual pricing program. Actual results depend on your card mix, ticket size, and how the program is configured.
What you’ll actually pay.
Pick the structure that fits your business. Most merchants choose dual pricing to offset nearly all of their fees. Prefer one posted price? The Swiped Program runs a simple flat per-transaction rate, set in writing on your proposal.
Dual pricing
Post a cash price and a card price at checkout. Customers who pay by card cover the card fee, so nearly all of your processing cost comes back to your margin.
- Post a cash price and a card price
- Disclosed at checkout
- Most merchants choose this
Swiped Program
One simple flat rate per transaction, set in writing on your proposal — based on your volume, average ticket, and industry.
- Set on your proposal
- Based on your volume & ticket
- One predictable per-transaction rate
Sample programs for qualifying merchants. Your actual rate is set on the proposal based on your monthly volume, average ticket, and industry. Higher monthly volume can qualify for further reductions — see volume pricing below.
Everything below is part of your rate.
-
Next-day funding
Funds in your bank the next business morning, standard.
-
Dedicated account manager
Call or text a real person who knows your business, 24/7.
-
Online merchant dashboard
Reporting, disputes, statements, and team logins in one place.
-
Detailed monthly statement
Itemized by card brand and category — easy to audit.
Doing higher volume? Switch and save more.
Higher monthly volume earns a lower rate. Send your most recent statement and we will re-quote.
Why we keep pricing simple.
Whether you run dual pricing or the Swiped Program, the program, the rate, and every add-on fee are written on your proposal before you sign, and itemized on a statement you can read.
The questions we get most.
? What is the difference between dual pricing and the Swiped Program?
? How do you decide my actual rate?
? Can I see a sample statement before I sign up?
? What if my rate isn’t competitive after a few months?
Get a real, written quote in under ten minutes.
No “call for pricing.” You’ll get your pricing in writing, on Arca letterhead, before you decide.