Business Services for Western New York, LLC • Low Cost Merchant Accounts • Point of Sale Systems
• Online Payment Gateways • Virtual Transaction Utilities
• Mobile Payments • eCommerce • Check Processing

Merchant Accounts

Transaction Tools

Processing Services

Point of Sale Systems


About Us

How to Apply


eProcessing Network Authorized Reseller
We are proud to offer eProcessing Network as our exclusive payment gateway.

30-FIXED Merchant Account Plan Summary

The 30-FIXED plan is a merchant account that offers all the wholesale payment processing costs that are imposed upon the payment acquirer to be passed-through to the merchant at actual cost. A single, fixed, monthly account management fee of $30 is charged by the payment acquirer. There are no rate markups, extra fees, or hidden fees with this plan. The 30-FIXED plan leverages the wholesale fixed interchange rates, card brand assessments, and network access fees to deliver payment settlements for the merchant at the lowest possible cost. In addition to the wholesale settlement costs, all other ancillary costs that are associated with card payment processing activity are passed through to the merchant at actual wholesale cost. This means there are no "markups" for any associated payment processing services like card authorizations and address verification service (AVS). Also, there are no additional account fees for things like "batch fees", "debit access", "statement fees", "annual fees", etc.

Qualifying Merchants

The 30-FIXED Plan is geared for small businesses. It is limited to merchants who are categorized as low risk and whose average monthly processing volume is less than $5,000.

30-FIXED Plan Benefits

The 30-FIXED plan allows merchants to receive the same cost for payment settlements and ancillary services as the payment processor themselves - in exchange for a single, fixed, monthly account management fee. This streamlined approach results in less overhead for the payment processor which results in savings being passed along to the merchant. Since the monthly fee is fixed, the merchant may further benefit as their sales volume grows.

30-FIXED Plan Pricing

$30 per month – this fixed fee does not change even if the processing volume increases. Alternative fixed fee pricing is available for merchants whose monthly processing volume exceeds $5,000 - just tell us about your needs.

Additional Considerations

Wholesale costs that are "passed through" include::

  • Interchange rates for all payment settlements (varies per card type and transaction method - see: interchange rates
  • Authorization fee (typically $0.06 to $0.10 per transaction submittal)
  • AVS verification fee, if used ($0.01 to $0.05 each)
  • NABU - Network Access and Brand Usage fee levied by MasterCard at $0.0185 per transaction.
  • APF - Acquirer Processing Fee levied by Visa at $0.0195 per transaction.
  • FANF - Fixed Acquirer Network Fee levied by Visa. Amount is dependent on merchant type, number of locations, transaction volume, and transaction method.
  • Dues and Assessments, levied by both Visa and Mastercard at 0.11% of processed dollar amount.
  • IRS federally mandated 1099-K reporting fee ($4.00 to $6.00 per month)

Additional Services

The payment settlement merchant account may be supplemented with additional services for efficient payment transaction processing, including:

  • Gateways for online processing via ecommerce or virtual terminal, repeat billing, mobile phone processing, issuing payment requests, and more.
  • Remote check deposits, check verification, and check conversion with guarantee, check readers, check imagers/scanners.
  • Retail point of sale software, cash drawer, bar code scanners..
  • eCommerce shopping cart with product management solutions.
  • Inventory management on a secure, hosted server with administration from any internet-connected computer.
  • Mobile transaction processing with all types of cell phones.
  • Windows PC transaction processing software.
  • Free reprogramming of compatible in-place credit card terminals.
  • New, high-quality credit card terminals with lifetime guarantee.
  • Free detailed savings analysis comparing your current account's fees with a recommended lower cost alternative.

Apply here

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We help business across the USA with a focus on serving those in our community, including: Buffalo, Amherst, Williamsville, Tonawanda, West Seneca, Cheektowaga, Lancaster, Elma, East Aurora, Orchard Park, Hamburg, Lackawanna, Niagara Falls, Lewiston, Lockport, Batavia, Alden, Attica, Warsaw, Arcade, Silver Creek, Springville, Ellicottville, Dunkirk, Fredonia, Jamestown, Olean, Wellsville, Hornell, Dansville, Mt. Morris, Rochester, Henrietta, Greece, Spencerport