House notice · Rate card
We read the file, then write the rate.
The house does not publish a sheet of blended rates because operators are not blended businesses. A wine retailer with twenty-five percent chargeback exposure and an antiques dealer with a four-thousand-dollar average ticket should not be priced from the same paragraph.
Plate I.
What goes into the quote.
- § 01
Volume
Monthly clearing volume, the average ticket, and the seasonality of your trade. A wine room in October does not look like a wine room in March, and the rate ought to know.
- § 02
Trade
Your trade, the merchant-category code that goes with it, and the operational profile that comes with it. We quote a wine room differently from an antiques house and differently again from a single-location restaurant.
- § 03
Risk profile
Your chargeback history, refund pattern, and how disputes have been handled in the past. We read the record before we read the rate.
- § 04
Mix
Card-present versus card-not-present, the rails you actually use, and any per-transaction obligations the network imposes on your category.
Plate II.
What the house will not do.
- § 01Quote a rate before reading the file.
- § 02Promise approval rates we cannot actually deliver.
- § 03Bury reserve and held-funds policy in the small print.
- § 04Switch the operating economics after onboarding without written, signed notice.
Closing
Want a written quote?
Send us a paragraph about the trade, the average ticket, and roughly what your prior processor was costing you. We will write back with a structured underwriting preview within two working days.