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    • Home
    • Why We Are Different
      • Pricing
      • Merchant Concierge
      • Solutions
    • Partners
      • Software/ISV's
      • Financial Institutions
      • Trade Associations
      • Referral Partners

  • Home
  • Why We Are Different
    • Pricing
    • Merchant Concierge
    • Solutions
  • Partners
    • Software/ISV's
    • Financial Institutions
    • Trade Associations
    • Referral Partners

Pricing You Can Trust

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Pricing You Can Trust

No hidden fees, no surprises—just honest, transparent rates tailored to your business. At Perceptive, we believe in fair pricing that puts your bottom line first. 

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Pricing

Cost Plus/Interchange Pass Thru

Cost Plus/Interchange Pass Thru

Cost Plus/Interchange Pass Thru

Interchange pass-through and cost-plus pricing programs are designed for transparency and savings. You pay the exact interchange rate set by the card networks, plus a fixed, low-margin fee. This structure ensures you’re never overcharged or locked into inflated bundled rates—just fair, predictable pricing that scales with your business. 

Flat Rate Programs

Cost Plus/Interchange Pass Thru

Cost Plus/Interchange Pass Thru

Flat rate program offers simple, predictable pricing with no surprises. You pay one consistent rate for every transaction—making it easy to understand costs and manage your budget. It’s a great option for businesses that value straightforward billing without the complexity of fluctuating fees. 

Cash Discount

Cost Plus/Interchange Pass Thru

Cash Discount

Keep more of your hard-earned revenue. By providing a discount to customers who pay with cash or check, you can reduce or eliminate credit card processing fees—without raising your prices. It’s a smart, transparent solution that gives your customers a choice and your business a built-in way to save. 

Surcharging

Level 2 & 3 Optimization

Cash Discount

Surcharging allows businesses to pass on processing fees to customers who choose to pay with credit cards. This allows you to maintain your margins without increasing prices across the board. It gives customers the flexibility to choose their payment method while helping your business manage rising costs. 

Level 2 & 3 Optimization

Level 2 & 3 Optimization

Level 2 & 3 Optimization

Level 2 and Level 3 processing is essential for B2B and government transactions, where enhanced data is required to qualify for lower interchange rates. By including details like invoice numbers, tax amounts, and line-item data, these transactions meet stricter criteria set by card brands—unlocking significant savings on commercial and purchasing card payments. It’s a key tool for businesses looking to reduce costs and stay competitive. 

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Perceptive Processing

211 Northwest Executive Way, Suite H, Lee's Summit, MO, USA

(866) 615-4970

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