Chicago, Illinois
Card processing at cost, priced from your statement, for Chicago businesses
Chicago restaurants, neighborhood retailers, professional firms and the distributors that make the city a freight hub all pay to take cards. We help Chicagoland businesses see that cost line by line, then lower it.
- Serving The Loop, West Loop, Wicker Park & more
- Month-to-month
- AI answers 24/7, people on weekdays
Doing business in Chicago
Who takes cards in Chicago, and what it costs them
Chicago is one of the country's main rail, trucking and distribution hubs, with manufacturing and wholesale across the suburbs, a large professional-services sector downtown, and a famous restaurant and bar scene in every neighborhood.
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
The Loop · West Loop · Wicker Park · Lincoln Park · Pilsen · Evanston · Naperville · Schaumburg
- 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
Chicago merchants
Why cost-plus fits Chicago businesses
Restaurants & bars
Tips, tabs and rewards cards. Cost-plus passes each card through at its real cost, with no tiers on top.
Retail
High debit share in neighborhood shops. Debit is cheap at interchange, and cost-plus lets you keep the difference.
Professional services
Invoices to clients who pay by business card. Pay links plus Level 3 line items can cut the cost of those cards.
Distribution & manufacturing
Purchasing-card buyers on large invoices. Level 3 data usually matters most here.
Level 3 in Chicago
Selling to other businesses? Lower what their cards cost you.
Chicagoland's distributors, manufacturers and wholesalers sell to other businesses on invoices, often to buyers with purchasing cards. Mojo invoice payments send those invoices' line items with the payment as Level 3 data, so qualifying commercial cards cost 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
Chicago merchant questions
Does Level 3 help a Chicago distributor?
Often more than anything else. Corporate and purchasing cards cost much more without line-item data. Mojo sends your invoice's lines with the payment. See how Level 3 works.
How is Mojo pricing set?
From your own statement. Interchange and card-brand fees pass through at cost, and Mojo prices each other part of the bill separately, lowest on the payments you run most. Your quote shows every line, current next to proposed. See pricing.
How long does switching take?
Most merchants go live in about three business days after approval.
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 · Denver · Los Angeles · New York City · Boston
Mojo Payments works with businesses in all 50 states. Don't see your city? Get your free statement review anyway.
Your quote
See what Chicago 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.