A lower price, and all the math.
We read your statement, find the transactions you run most and price those lowest. Then we give you tools that cut the cost of everything else. Interchange passes through at cost, and every line of your quote sits next to what you pay today.
- Month-to-month
- No tiers
- Quote in 24 hours
Where your 2.9% goes
Most of it is fixed. The rest is priced for someone else's business.
Interchange and card-brand fees are the same at every processor. Everything on top is a choice, and flat and tiered plans make it once, for everyone.
- Flat rates price every card like the most expensive one. A debit card that costs a few cents wholesale is billed at the same 2.9%.
- Tiered plans move cards into "non-qualified". Rewards and business cards land in the top tier, at the top rate.
- How a card is taken changes its cost. Keyed instead of tapped, debit run as credit, business cards without invoice data: each one costs more, every time.
On every $100 of card sales
- Interchange (card-issuing bank)
- Card-brand fees
- Everything on top
Calculator
What could you save?
Move the sliders to match your business. The wholesale cost doesn't change; everything above it is what a program can cut.
What are you paying above cost?
Total fees on your statement divided by total card sales. How to find it
Estimated savings
$0/year
You pay about $0 a month above wholesale today: markups, per-item fees, monthly fees and surcharges. A Mojo Payments program cuts into that, line by line.
Get my exact quoteAn estimate for a typical card mix. Your quote uses your real statements.
What you get
Lower rates, then fewer reasons to pay them
Cost-plus pricing is where it starts. The products in your Mojo Payments portal take cost and busywork out of every other part of getting paid.
Card processing, priced from your statement
Interchange at cost, the lowest price on the transactions you run most, and every line of the math on your quote.
Learn more 02Level 3 for B2B
Send invoice line items with corporate and purchasing card payments, and those cards cost about a point less.
Learn more 03Invoice payments
Email a pay link for any invoice. Customers pay by card on a secure hosted form, and the invoice lines go along for Level 3.
Learn more 04POS Gateway
Card-present payments from your point of sale through our cloud. No payment server in the store, a key for every register.
Learn more 05Deposits
Every deposit to your bank, with the payments, fees and chargebacks inside it, matched to your orders and ready for your books.
Learn moreOne portal for all of it
Locations and MIDs, your team's roles, recent payments, register diagnostics and access for your POS dealer, at portal.paymentsmojo.com.
Tour the portalHow it works
From statement to switched in three steps
You spend about 30 minutes. We read the statement, set up the equipment and handle the paperwork.
Apply and upload statements
Apply online and upload recent statements from whoever processes your cards today. Within 24 hours we show you, line by line, what's interchange, what's markup and what's junk.
See your cost-plus quote
Your wholesale cost stays the same. Every other line shows today's price next to ours, in dollars a month, with the card mix behind it. If we can't beat what you pay now, we'll tell you.
Go live and watch it
We set up your card terminals, often the ones you already own. Then every deposit and fee is in your portal, line by line.
Corporate & purchasing cards
Typical Visa rates on qualifying non-travel corporate and purchasing cards. Your mix decides your savings.
For businesses that sell to businesses
Business cards cost a point more. Unless you send the invoice.
Since Visa began checking the data on commercial card payments in late 2025, only real, invoice-quality line items earn the lower rate. Most virtual terminals send none.
- Your invoice lines go with the payment. Product codes, quantities, prices and tax, from the invoice you already wrote.
- At the counter, over the phone and by pay link. Wherever business customers pay you.
- We watch it keep qualifying. Downgrades show up in your portal, not months later on a statement.
Ways to take payments
The tools you need. Priced like they should be.
Clover at the counter, a virtual terminal and gateway for everything else. We pick what fits how you sell, often keep the equipment you have, and price it from your statement.
For storefronts & restaurants
Clover POS
Countertop, handheld and full point-of-sale systems with inventory, online ordering, tips and hundreds of apps.
Explore CloverFor B2B, invoicing & integrated payments
Virtual terminal & gateway
Take payments from any browser or your own software, with Level 3 data for commercial cards and tokenization that keeps card numbers out of your systems.
Explore the virtual terminalWhat switching looks like
What switching to cost-plus looks like
“Most of our sales are small debit tickets, and they were billed like premium credit cards. The new program priced those lowest and showed us every line. Same Clover, same staff, about $600 a month less.”
“Half our customers pay with purchasing cards. Once our invoice lines went with the payment, those cards started costing us about a point less.”
“I was skeptical, because every processor promises savings. They showed me the math on my own statement, line by line. No contract either, so there was nothing to lose.”
Illustrative scenarios based on typical merchant results, not customer reviews. Individual savings depend on volume and current rates.
Side by side
Mojo Payments vs. the typical processor
| Feature | Typical processor | Mojo Payments |
|---|---|---|
| Pricing | Flat or tiered rates that hide the markup | A program priced from your statement, lowest on the transactions you run most |
| Wholesale cost | Bundled into the rate | Interchange and card-brand fees at cost, shown separately |
| Business cards | Corporate and purchasing cards at the top rate | Level 3 data from your invoices for the lower commercial rate |
| Your quote | A rate and a promise | Every fee line, today next to ours, with the card mix it is based on |
| Contract | 1–3 years, with early termination fees of $295–$495+ | Month-to-month. Cancel anytime, no fee. |
| Equipment | Leases you can't cancel | Often keep what you have. Buy outright if you need new. |
| Your data | A portal that only shows batches | Deposits matched line by line, team roles, diagnostics |
FAQ
Questions owners ask us
How do you price my processing?
From your own statement. Interchange and card-brand fees, the wholesale cost set by the card networks, pass through at cost. On top, we price each part of your bill separately, put the lowest price on the transactions you run most, and give you tools that cut the cost of the rest. How we build a program.
Why is that cheaper than flat or tiered pricing?
Interchange is the same at every processor; what's on top isn't. Flat-rate plans set one price high enough to cover the most expensive cards, and tiered plans move cards into "non-qualified" buckets at higher rates. A debit card that costs 0.05% plus 21 cents wholesale shouldn't be billed at 2.9%, and in a program built around your debit volume, it isn't.
What does my quote show?
Every fee line on your current statement next to what it becomes with us, the card mix the numbers are based on, and the total each side. It comes from the statements you upload with your application, usually within 24 hours. If we can't lower your total, we'll say so.
I sell to other businesses. What is Level 3?
Corporate and purchasing cards cost far more to accept than consumer cards, unless your invoice line items go with the payment. Then they qualify for a lower commercial rate, often about a point less. Our invoice payments send those lines for you. See what it could save.
Do I need new equipment?
Often not. If you're on Clover or a compatible terminal, we can usually move what you have. If you need new hardware, we quote it up front, with no leases.
Is there a contract or cancellation fee?
No. Mojo Payments is month-to-month, and you can leave anytime without an early termination fee. We would rather keep you by staying cheaper.
How long does it take to switch?
Most merchants are live in about 3 business days after approval. Your part takes about 30 minutes: your statements, a short application and a quick walkthrough with your team.
Learn
Know what you're paying for
Interchange-Plus Pricing Explained, With Real Numbers
Interchange-plus pricing explained: what interchange, assessments and markup are, a worked $40,000-a-month example, and why markup is the part you can negotiate.
Read · 8 min B2B & Level 3What Is Level 3 Processing? A Guide for B2B Sellers
What is Level 3 processing? Level 1, 2 and 3 card data explained, which business cards qualify, the fields you send, rate differences, and avoiding downgrades.
Read · 7 min Fees & RatesHow to Read a Merchant Statement, Line by Line
How to read a merchant statement section by section, find your true effective rate in two numbers, and spot the red flags processors hope you never notice.
Read · 6 minYour quote
See all the math. Free, in 24 hours.
Apply online and upload a statement from any processor. We'll show you every line of your bill next to what it would be with Mojo Payments. No contract, no pressure, and if we can't save you money we'll say so.