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Lowest Credit Card Processing Rates Guaranteed

SEE EXACTLY WHAT OUR RATES ARE. NO GUESSWORK. NO BAIT & SWITCH. NO COMMITMENT REQUIRED.

Apply Now

Every 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 02/08/2023†

Visa
Mastercard
Discover, China UnionPay, JCB
American Express
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%

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Frequently Asked Questions

Why are there so many different rates for different card types, industries, etc.?
Because this is how the card associations (V/MC/D/Amex) have designed it. They have assigned different wholesale or “interchange” rates based on industry risk, type of card used (e.g. Rewards cards have higher rates to subsidize the “Reward”), the dollar amount of the transaction, and so on.
Some processors like Square® and PayPal® offer flat rate pricing. Why don’t you?
Because they are overcharging you. Square®, for example, charges a flat 2.75% rate. PayPal® charges 2.9% + $0.30 per transaction. Intuit® charges 2.40% + $0.25. If you compare those to our rates in the table above, you can see that those far exceed what we charge for the most common card types. For Regulated Visa Debit cards we charge 0.10% + $0.25 while Square® charges 2.75% for the same cards. That is a massive difference, especially considering that close to 50% of all card transactions are made with Debit cards.
Are there any other fees?
We do not charge a monthly fee, cancellation fee, or require any minimum commitment length. There may be other fees depending on the type of processing you do, whether you have chargebacks, etc. A complete schedule of our fees can be found here. Most of these fees will not apply to most merchants (e.g. Authorize.net fees will not apply if you do not use Authorize.net). So if you have any questions about any of these fees or whether you will need to pay them, consult with an account manager and refer to your Merchant Processing Agreement.
Can I get a free terminal?
Yes. We offer a free terminal at sign-up for merchants that meet minimum processing requirements.

Why Western Financial?

Trusted by thousands of companies because of our impeccable reputation

Western Financial BBB Business Review
Trustpilot

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.

Western Financial

1403 North Batavia St., Ste. 203
Orange, CA 92867
(800) 385-5290

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Fees

Debit Adjustment Fee $5.00/Adjustment Paper Statement Fee $0.00
Dialpay Transaction Fee $0.55/Transaction Technical Support Calls $0.00
Chargeback Fee $12.00/Chargeback Customer Services Calls $0.00
Retrieval Fee $5.00/Retrieval Merchant Monthly Minimum $15.00
Batch Fee $0.07/Batch Welcome Kit $6.50
Online Statements and Reporting $0.50/mo ACH/DBA Change Fee $5.00
Voice Authorization $1.35/Attempt Merchant Training (Only By Request) $15.00
Online Payment Processing Merchant Download¹ $14.00/Download
– One-Time Activation $59.00 PCI Program $55.00/yr
– Gateway Hosting Fee $9.95/mo PCI Non-Compliance Fee $25.00/mo
– Transaction Fee $0.05/Transaction (+ front end transaction fee) Voyager 3.60% + $0.15
– Batch Fee $0.07/Batch Wright Express (WEX) 3.50% + $0.15
Wireless POS ACH Fee $0.02/ACH
– One-Time Activation $40.00/Terminal ACH Reject Fee $25.00
– Gateway Hosting Fee $17.95/Terminal/mo Electronic Benefit Transfer (EBT)
– Transaction Fee $0.09/Transaction (+ front end transaction fee) – Transaction Fee $0.05/Transaction
Mobile POS – EBT ACH $3.00
– Monthly Hosting Fee $9.95/mo – EBT Adjustments $5.00
– Transaction Fee $0.12/Transaction (+ front end transaction fee) Credit Tier II Surcharge 0.05%
Micros Transaction Fee $0.05/Transaction (+ front end transaction fee) Advantage Buyer Program $19.95/mo
Address Verification Fee $0.02/Verification
¹ Does not apply to an initial download of a newly-boarded merchant