New York City, New York
Card processing at cost, priced from your statement, for New York City businesses
Bodegas, delis, restaurants, boutiques and the distributors that stock them: New York runs on small business and card payments. We help NYC businesses see exactly what each card costs them, and stop paying for markups they can't see.
- Serving Manhattan, Brooklyn, Queens & more
- Month-to-month
- AI answers 24/7, people on weekdays
Doing business in New York City
Who takes cards in New York City, and what it costs them
New York has an enormous density of small food, retail and personal-service businesses, a large professional-services sector, and a wholesale and food-distribution network that supplies the city every night.
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
Manhattan · Brooklyn · Queens · The Bronx · Staten Island · Long Island · Westchester
- 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
New York City merchants
Why cost-plus fits New York City businesses
Delis & bodegas
Very small tickets, many of them debit. Cost-plus passes debit through at its low real cost, so per-transaction pricing matters. A Mojo program prices those small debit tickets lowest, and the quote shows each fee plainly.
Restaurants & bars
Tabs, tips and premium rewards cards. Each card passes through at cost, with no tiers on top.
Retail & personal services
Mixed card types and steady volume. No tiers, no bundled "non-qualified" charges.
Food & wholesale distribution
Invoices to restaurants, stores and institutions paying by business card. Level 3 line items can lower that cost.
Level 3 in New York City
Selling to other businesses? Lower what their cards cost you.
Food distributors, wholesalers and suppliers to hospitals, universities and agencies sell on invoices, and more of those buyers pay by corporate or purchasing card. Mojo sends your invoice's line items with the payment as Level 3 data so qualifying 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
New York City merchant questions
Why does cost-plus help a small-ticket business?
On a $6 sale, a high per-transaction fee hurts more than the percentage. Interchange passes through at its real cost, which is low for most debit cards, and a Mojo program gives the lowest per-transaction price to the small tickets you run most.
Can I keep my Clover?
Usually, yes. If you are on Clover or another compatible terminal, we can often move your account without new hardware.
How fast can I switch?
Most merchants go live in about three business days after approval. Apply and upload your statements.
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 · 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 New York City 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.