Boston, Massachusetts
Card processing at cost, priced from your statement, for Boston businesses
Boston's cafés, shops, clinics and the firms and suppliers that serve its hospitals and universities all take cards. We help Boston-area businesses see what processing really costs, line by line, and pay less for it.
- Serving Back Bay, South End, Cambridge & more
- Month-to-month
- AI answers 24/7, people on weekdays
Doing business in Boston
Who takes cards in Boston, and what it costs them
Greater Boston is anchored by hospitals, universities, biotech and professional services, surrounded by neighborhood restaurants, cafés and retail, and the lab-supply, facilities and service firms that sell to the big institutions.
Most processors price all of that with tiers or bundled rates, so the markup is hard to see. With cost-plus, interchange and card-brand fees pass through at cost, exactly as Visa, Mastercard, Discover and Amex set them, and Mojo builds a pricing program on top from your own statement: each part of the bill priced separately, the lowest price on the payments you run most, and tools that cut the cost of the rest. How our pricing works →
Areas we serve
Back Bay · South End · Cambridge · Somerville · Brookline · Quincy · Seaport
- No tiers or "non-qualified" rates
- Every fee shown, current next to proposed
- Month-to-month, no cancellation fee
- Live in about 3 business days
Boston merchants
Why cost-plus fits Boston businesses
Restaurants & cafés
Many small tickets and lots of rewards cards. Cost-plus passes each through at cost, with no tiers on top.
Healthcare practices
Copays and patient balances, often on debit and HSA cards. Those are cheap at interchange, and cost-plus lets you keep that.
Professional services
Invoices paid by business card via pay link, with Level 3 line items where they qualify.
Lab & institutional suppliers
Hospitals and universities often buy on purchasing cards. Level 3 data matters most here.
Level 3 in Boston
Selling to other businesses? Lower what their cards cost you.
Hospitals, universities and research labs commonly buy supplies and services on purchasing cards. If you sell to them, Mojo sends your invoice's line items with the payment as Level 3 data, so qualifying commercial cards cost far less to accept.
What changed in 2026
Visa's Commercial Enhanced Data Program now checks that line items are real, and the old Level 2 rates ended in April 2026. Only invoice-quality line items qualify.
- Invoice pay links for card payments on a secure, processor-hosted form
- Your invoice's line items go with the payment as Level 3 data
- Biggest effect on corporate and purchasing cards; small-business cards save less
Switching
From statement to live in about 3 business days
Apply and upload statements
From any processor. We read them line by line: your card mix, your effective rate, and the markup hidden in tiers and bundles.
Get a side-by-side quote
Within 24 hours. If we can't save you money, we'll tell you.
Go live
On Clover or our virtual terminal, often on the equipment you have. Month-to-month, no leases.
FAQ
Boston merchant questions
I sell to universities and hospitals. Does Level 3 apply?
Often, yes. Institutional purchasing cards are commercial cards, and they qualify for lower rates when real invoice line items go with the payment. How Level 3 works.
What does cost-plus mean on my statement?
Interchange and card-brand fees at cost, exactly as the card brands set them. Mojo's own fees come from a program built on your statement, and every one is shown and explained. No tiers, no "non-qualified" surcharges, no cancellation fee. See pricing.
Is support available outside business hours?
Yes. Our AI assistant answers questions 24/7, and people are available weekdays, 9 a.m.–5 p.m. ET.
Is support local?
Our home base is Atlanta, and we work with businesses in all 50 states. Our AI assistant answers 24/7, and people are available weekdays, 9 a.m.–5 p.m. ET. Call (404) 918-6646.
Other cities we serve
Dallas · Houston · Phoenix · Atlanta · Miami · Chicago · Denver · Los Angeles · New York City
Mojo Payments works with businesses in all 50 states. Don't see your city? Get your free statement review anyway.
Your quote
See what Boston card processing should cost. Free, in 24 hours.
Apply online and upload your statements. We'll show you, line by line, what you pay today next to what you'd pay with a Mojo program, plus the card mix it's based on. No contract, no pressure, and if we can't save you money we'll say so.