Dallas, Texas
Card processing at cost, priced from your statement, for Dallas businesses
From taquerias in Oak Cliff to auto shops in Garland, medical practices in Plano and distributors along the I-35 and I-20 corridors, we help DFW businesses pay interchange at cost, with a pricing program built from their own statement and every fee line shown next to what they pay today.
- Serving Deep Ellum, Bishop Arts, Uptown & more
- Month-to-month
- AI answers 24/7, people on weekdays
Doing business in Dallas
Who takes cards in Dallas, and what it costs them
DFW mixes a deep restaurant and retail scene with a large base of corporate offices, logistics and warehousing, and the trades that keep a fast-growing metro built and running. That means a lot of merchants take both everyday consumer cards and corporate or purchasing cards, often at the same business.
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
Deep Ellum · Bishop Arts · Uptown · Plano · Frisco · Irving · Richardson · Fort Worth
- 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
Dallas merchants
Why cost-plus fits Dallas businesses
Restaurants & bars
High volume, small tickets and lots of rewards cards. Cost-plus passes each card through at its real cost, so you are not paying a "non-qualified" rate on every premium card.
Auto repair & home services
Larger tickets taken at the counter, on a handheld or by pay link. Cost-plus has no tiers, so a $1,200 repair on a rewards card is never pushed into a "non-qualified" bucket, and tapping on a terminal instead of keying keeps those big tickets cheaper.
Medical & dental
Steady, predictable volume with many debit and HSA cards. Those cost little at interchange, and cost-plus lets you keep that difference.
Distributors & B2B
Corporate and purchasing cards on invoices. Level 3 line items from your invoices can lower what those cards cost.
Level 3 in Dallas
Selling to other businesses? Lower what their cards cost you.
DFW is a distribution and corporate-services hub. If you sell to other businesses, invoice contractors, or bill hospitals, school districts or city and county agencies that pay by purchasing card, Level 3 data is where the biggest savings usually sit. Mojo sends your invoice's line items with the payment so qualifying commercial cards get the lower rate.
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
Dallas merchant questions
Do you work with businesses across DFW?
Yes. We set up merchants across Dallas, Fort Worth, Plano, Frisco, Irving, Arlington and the surrounding cities. Most go live in about three business days after approval. Our AI assistant answers 24/7, and people are available weekdays, 9 a.m.–5 p.m. ET.
I already take cards on Clover. Do I have to replace it?
Often not. If you are on Clover or another compatible terminal, we can usually move your account without new hardware. If you do need equipment, we quote it up front, with no leases.
How do I know cost-plus would actually save me money?
Apply online and upload your recent statements. Within 24 hours we return a side-by-side quote using your real card mix. If we can't save you money, we'll say so. Try the calculator for a quick estimate first.
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
Houston · Phoenix · Atlanta · Miami · Chicago · 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 Dallas 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.