Phoenix, Arizona
Card processing at cost, priced from your statement, for Phoenix businesses
From Scottsdale patios to Mesa auto shops and the HVAC crews that keep the Valley cool, Phoenix-area businesses take a lot of cards. We help them pay interchange at cost, with a pricing program built from their own statement.
- Serving Scottsdale, Tempe, Mesa & more
- Month-to-month
- AI answers 24/7, people on weekdays
Doing business in Phoenix
Who takes cards in Phoenix, and what it costs them
The Valley is a fast-growing metro built on construction, home services, healthcare, tourism and a large restaurant and retail scene, with a growing base of manufacturing and distribution in the East and West Valley.
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
Scottsdale · Tempe · Mesa · Chandler · Gilbert · Glendale · Downtown Phoenix
- 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
Phoenix merchants
Why cost-plus fits Phoenix businesses
Home services & HVAC
Large tickets taken in the field or by invoice. Cost-plus has no premium tiers, and invoice pay links with CVV and ZIP checks keep big keyed jobs from costing more than they should.
Restaurants & patios
Seasonal swings and lots of visitors' rewards cards. Cost-plus passes each card through at cost, so your rate follows your real card mix.
Contractors & suppliers
Builders and suppliers often pay by business card. Level 3 data from your invoices can lower what those cards cost.
Retail
Many small debit payments. Debit is cheap at interchange, and cost-plus lets you keep that.
Level 3 in Phoenix
Selling to other businesses? Lower what their cards cost you.
Construction and the trades are a big part of the Valley. Contractors, supply houses and service companies that invoice builders, property managers or public agencies often see purchasing cards. Mojo sends your invoice line items with the payment, so qualifying commercial cards can get the lower Level 3 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
Phoenix merchant questions
Does this work for HVAC and home service companies in Phoenix?
Yes. Techs can take payments on a Clover handheld, and the office can send invoice pay links. Both run on the same cost-plus pricing.
What is cost-plus pricing?
Interchange and card-brand fees pass through at cost, exactly as Visa, Mastercard, Discover and Amex set them. On top, Mojo builds a pricing program from your statement: each part of the bill is priced separately, with the lowest price on the payments you run most. See pricing.
How fast can a Phoenix business switch?
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 · 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 Phoenix 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.