Get the lowest rate

Credit Card Processing Rates & Fees

At Ignite Payments, we understand the majority of customers are concerned about credit card processing rates and fees. That's why we have the lowest rates of anyone in the industry! When you compare them side by side it's easy to see why more people choose us. Ignite Payments offers significantly lower credit card processing rates and fees than our competitors, and in some instances they are free!

Most companies will hit you with application fees, setup fees, programming fees, and many other charges which can add up quickly. Not only will Ignite Payments provide those services for free, you will also avoid paying unnecessary fees like Discover and AMEX setup fees. Low credit card processing rates are only some of the advantages of choosing Ignite Payments.

By monitoring what our competitors are charging we can stay below the industry average and save you more money. We take into consideration the amount of transactions our customers perform and lower our rates to fatten your bottom line. And while other companies may not perceive this attention to detail as a priority, our pride in customer satisfaction is evident in the low credit card processing rates we offer.

We will beat any rate, guaranteed!

or we will write you a check for $500 (disclaimer: we haven't had to write one yet).

We also offer Interchange Plus Rates.
Please visit our Interchange Plus Rates information page to see your savings.

Services Typical Rates Our Rates
Application Fee $75 - $150 FREE*
Setup Fee $50 - $125 FREE*
Programming Fee $50 - $75 FREE*
Overlimit Fee Varies FREE*
Discover® Network Setup Fee $25 FREE*
American Express Setup Fee $25 FREE*
Web Shopping Cart $249 FREE Setup
Real-Time Online Processing Terminal $295 - $995 FREE
Retail Swipe Terminal with Printer $195 - $795 Varies
Customer Support 8AM-8PM/Mon-Fri 24/7/365
Credit Restrictions Very Strict High Approval Rate
Debit Card Discount Rate (Swipe) 1.35% - 1.55% 1.23%
Retail Discount Rate (Swipe) 1.94% - 2.05% 1.69%
Internet Discount Rate (Internet/Mail/Phone) 2.45% - 2.75% 1.95%
Transaction Fee $0.35 - $0.50 per transaction $0.20 per transaction
Statement Fee $12 - $25 per month FREE ONLINE
Internet Gateway Fee $25 - $35 per month $18 per month
Approval Time 2 - 3 days Fast Approval

More Free Deals

  • FREE* eCommerce Hosting
  • FREE Online Virtual Terminal
  • FREE TeleCheck® Set-Up

* Offer is being made MIDWEST STATES, INC. Restrictions apply. Please call for details.