No jargon, no runaround. Learn how processing really works — PCI compliance, pricing models, surcharging rules, and the terms every merchant should know.
PCI Compliance is an integral part of the electronic payment industry. How sensitive data is handled affects us all, which is why every merchant must be compliant and making their best effort to stay that way.
If you're storing credit card data on local servers, there's a better way. We have compliant software and POS systems that store your sensitive data and remove that part of compliance from your organization. There's virtually no reason to keep sensitive card data in-house anymore — we have secure solutions for your company.
Banks and processors are always trying to mitigate risk. Many merchants are not compliant and end up paying for it — some of our competitors charge over $200/month in non-compliance fees. Worse, if you're not compliant, your processor doesn't have to go through remediation in the event of a breach, and most contracts remove indemnity payments to the merchant. We don't play that game.
We make sure you have compliant hardware, software, and a compliant POS system. It's our job to notify you if you fail a quarterly scan, and to work toward a remedy instead of collecting fees that only pad our margins while leaving your organization at risk. We've even been consulted to perform PCI compliance audits for large organizations — including casinos and multi-million-dollar companies. If you need a PCI compliance audit, we can help, even if you don't process through PayZoom.
Call 866.242.4325Understanding how you're billed is the first step to paying less. Here's the plain-English version.
One simple percentage on every sale. Easy to read, but you often overpay on lower-cost card types.
Transactions sorted into "qualified," "mid," and "non-qualified" buckets. Convenient, but the buckets hide markup.
You pay the true network cost plus a small, fixed margin — like our 0.05% + $0.22. The most transparent model there is.
A convenience-fee program can offset a significant portion — or even all — of your processing fees. But the rules are strict, and the merchant pays the fine when they're broken. We make sure you follow them.
The base fee set by Visa/Mastercard that goes to the card-issuing bank on every transaction.
Total fees ÷ total volume. The single best number for comparing processors.
Richer line-item data on B2B and government cards that, when passed correctly, earns lower rates.
Bank Identification Number — the card's leading digits that reveal whether it's debit or credit.
The software that securely passes online payment data to the processor.
Replacing card numbers with a secure token so sensitive data never sits in your systems.
Get straight answers about compliance, pricing, and surcharging from a team that's done this for 20+ years.