Lowest Credit Card Processing Rates Guaranteed
SEE EXACTLY WHAT OUR RATES ARE. NO GUESSWORK. NO BAIT & SWITCH. NO COMMITMENT REQUIRED.
Apply NowEvery credit card processing company says that they have the lowest rates. They offer
“Interchange plus .XX%” and a “free statement analysis.” But what are the “Interchange Rates”
and why don’t they just tell you the rates instead of offering a statement analysis?
We don’t understand it either. At Western Financial, we are so confident in our low rates
that we publish them daily in black and white. No guesswork. No bait & switch.
Complete transparency. That’s the Western Financial guarantee.
CURRENT CREDIT CARD PROCESSING RATES AS OF 09/25/2023†
| Retail | Restaurant | e-Commerce | Gas Station | Hotel & Car Rental | Passenger Transport | |
|---|---|---|---|---|---|---|
| Visa Debit - Regulated, Card Present* | 0.10% + $0.25 | 0.10% + $0.25 | N/A | 0.10% + $0.25 | 0.10% + $0.25 | 0.10% + $0.25 |
| Visa Debit - Exempt, Card Present* | 0.85% + $0.20 | 1.25% + $0.15 | N/A | 0.85% + $0.20 | $1.25% + $0.15 | 1.25% + $0.15 |
| Visa Debit - Regulated, Card Not Present* | 0.10% + $0.25 | 0.10% + $0.25 | 0.10% + $0.25 | 0.10% + $0.25 | 0.10% + $0.25 | 0.10% + $0.25 |
| Visa Credit - Card Present | 1.56% + $0.15¹ | 1.59% + $0.15² ³ | N/A | $1.20 + $0.30 | 1.59% + $0.15² ³ | 1.75% + $0.15² ³ |
| Visa Debit - Exempt, Card Not Present* | 1.70% + $0.20 | 1.70% + $0.20 | 1.70% + $0.20 | 1.70% + $0.20 | 1.75% + $0.20 | 1.75% + $0.20 |
| Visa Credit - Card Not Present | 1.85% + $0.15² | 1.85% + $0.15² ³ | 1.85% + $0.15² | 1.85% + $0.15² | 1.59% + $0.15² ³ | 1.85% + $0.15² ³ |
Above are the most common fee programs and card types. For a complete list of fee programs and card types, visit Visa's website and consult with one of our account managers.
* Regulated = Cards issued by banks with more than $10 billion in assets. Exempt = Cards issued by banks with less than $10 billion in assets
¹ Rewards & Visa Signature cards: 1.70% + $0.15. ² Rewards cards: 2.00% + $0.15. ³ Visa Signature cards: 2.35% + $0.15
| Retail | Restaurant | Convenience | e-Commerce | Services | Gas Station | Hotel & Car Rental | Passenger Transport | Supermarket | Travel & Entertainment | Card Not Present | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Mastercard Core Value | 1.63% + $0.15 | 1.78% + $0.15 | 1.95% + $0.05 | 1.73% + $0.15 | 1.20% + $0.10 | 1.95% + $0.05 | 1.63% + $0.15 | 1.80% + $0.15 | 1.53% + $0.15 | 2.35% + $0.15 | 1.94% + $0.15 |
| Mastercard Enhanced Value | 1.78% + $0.15 | 1.78% + $0.15 | 1.95% + $0.05 | 1.88% + $0.15 | 1.20% + $0.10 | 1.95% + $0.05 | 1.85% + $0.15 | 1.95% + $0.15 | 1.53% + $0.15 | 2.35% + $0.15 | 2.09% + $0.15 |
| Mastercard World | 1.82% + $0.15 | 1.78% + $0.15 | 2.05% + $0.05 | 1.92% + $0.15 | 1.20% + $0.10 | 2.05% + $0.05 | 1.85% + $0.15 | 1.95% + $0.15 | 1.63% + $0.15 | 2.35% + $0.15 | 2.10% + $0.15 |
| Mastercard World High Value | 2.25% + $0.15 | 2.25% + $0.15 | 2.05% + $0.05 | 2.35% + $0.15 | 1.20% + $0.10 | 2.05% + $0.05 | 1.85% + $0.15 | 1.95% + $0.15 | 1.95% + $0.15 | 2.80% + $0.15 | 2.55% + $0.15 |
| Mastercard World Elite | 2.25% + $0.15 | 2.25% + $0.15 | 2.05% + $0.05 | 2.35% + $0.15 | 1.20% + $0.10 | 2.05% + $0.05 | 1.85% + $0.15 | 1.95% + $0.15 | 1.95% + $0.15 | 2.80% + $0.15 | 2.55% + $0.15 |
| Debit - Regulated* | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 |
| Debit - Exempt* | 1.10% + $0.20 | 1.24% + $0.15 | 1.10% + $0.20 | 1.20% + $0.20 | 1.20% + $0.10 | 0.75% + $0.22 | 1.20% + 0.20 | 1.65% + $0.20 | 1.10% + $0.20 | 1.10% + $0.20 | 1.65% + $0.20 |
| PIN Debit - Regulated* | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | 0.10% + $0.27 | N/A |
| PIN Debit - Exempt* | 0.95% + $0.20 | 0.95% + $0.20 | 0.80% + $0.22 | 0.95% + $0.20 | 0.95% + $0.20 | 0.95% + $0.20 | 0.95% + $0.20 | 0.95% + $0.20 | 1.10% + $0.20 | 0.95% + $0.20 | N/A |
| All Industries - Card Present | All Industries - Card Not Present | |
|---|---|---|
| Discover Debit - Regulated* | 0.10% + $0.27 | 0.10% + $0.27 |
| Discover Debit - Exempt* | 1.15% + $0.21 | 1.80% + $0.25 |
| Discover Credit - Consumer | 1.61% + $0.15 | 1.92% + $0.15 |
| Discover Credit - Rewards | 1.76% + $0.15 | 2.02% + $0.15 |
| Discover Credit - Premium | 1.76% + $0.15 | 2.05% + $0.15 |
| Discover Credit - Premium Plus | 2.20% + $0.15 | 2.45% + $0.15 |
* Regulated = Cards issued by banks with more than $10 billion in assets. Exempt = Cards issued by banks with less than $10 billion in assets
| Retail | Restaurant | Services | e-Commerce | Lodging | Travel & Entertainment | Healthcare | B2B/Wholesale | Other |
|---|---|---|---|---|---|---|---|---|
| ≤ $75: 1.65% + $0.15 | ≤ $25: 1.90% + $0.15 | ≤ $400: 1.65% + $0.15 | ≤ $150: 1.75% + $0.15 | ≤ $100: 2.30% + $0.15 | ≤ $100: 2.30% + $0.15 | ≤ $150: 1.60% + $0.15 | ≤ $400: 1.60% + $0.15 | ≤ $100: 1.55% + $0.15 |
| $75.01 - $1000: 2.00% + $0.15 | $25.01 - $150: 2.50% + $0.15 | $400 - $3000: 2.00% + $0.15 | $150.01 - $3000: 2.10% + $0.15 | $100.01 - $1000: 2.65% + $0.15 | $100.01 - $1000: 2.65% + $0.15 | $150.01 - $2000: 1.90% + $0.15 | $400.01 - $7500: 1.85% + $0.15 | $100.01 - $3000: 1.90% + $0.15 |
| $1000+: 2.45% + $0.15 | $150+: 2.80% + $0.15 | $3000+: 2.45% + $0.15 | $3000+: 2.55% + $0.15 | $1000+: 3.05% + $0.15 | $1000+: 3.05% + $0.15 | $2000+: 2.35% + $0.15 | $7500+: 2.30% + $0.15 | $3000+: 2.35% + $0.15 |
Card Not Present: add 0.30%
4 Ways To Get Started
Frequently Asked Questions
Why Western Financial?
Trusted by thousands of companies because of our impeccable reputation
How Does Western Financial Compare to The Competition?
2.75% Swiped, 3.5% + $0.15 Keyed/Card Not Present
Reseller for Elavon, expensive “tiered” pricing: 1.99% + $0.25 for “Qualified” cards but most cards pay higher undisclosed pricing; $25 Application Fee, $4.95 Monthly Fee
2.7% Swiped, 2.9% + $0.30 Keyed/Online
Undisclosed Varied Pricing, $15 Monthly Fee, $295 Cancellation Fee
2.4% + $0.25 Swiped, 3.4% + $0.25 Keyed/Card Not Present
Interchange + Varied Pricing + Markup Via Monthly “Subscription” Fee
2.9% + $0.30
2.99% + $0.15 Card-Present Credit; 1.99% + $0.15 Card-Present Debit; 2.9% + $0.25 Card-Not-Present
Undisclosed Varied Pricing + $500 Cancellation Fee; Review sites report Wells Fargo Merchant Services being the most expensive among service providers on this list. WFMS also has been involved in several high-profile scandals in the past 2 years, Including employees who opened fraudulent accounts in their customers’ names and employees reporting false customer sales numbers.
Other Benefits
- No Cancellation Fee
- No Contract
- Next-Day Funding
- 24/7 Customer & Technical Support
- Every Type of Processing Offered
- No Monthly Fee
- No Set Up Fee
- Easy Set Up & Integration
- No Hidden Fees
- Every Industry Supported
GUARANTEED SAVINGS OVER BIG-NAME COMPETITORS
† Rates shown apply only to the card types, fee programs, and industries shown. Equipment, value-added services, Association dues & assessments,
and other service fees are not included.
