Why Mojo Payments
We show all the math.
Most processors profit from complexity: tiered rates, long contracts and fees you'll never find. We built Mojo Payments to be the opposite: wholesale cost, a price built around how you actually sell, and every line of the math in front of you.
Our story
Why we started Mojo
We spent years watching good businesses hand over thousands of dollars a year to processors, without ever being shown the real number.
Owners didn't need another sales pitch. They needed someone to sit down with their statement, explain it in plain English, and fix it. Fixing it starts with honest pricing: the wholesale cost the card networks set, a program priced around the transactions you run most, and the math for every line.
Then it keeps going. Business cards that cost a point less with the invoice attached. Deposits that explain themselves. Registers that tell you why they're slow. We build those tools ourselves, in the portal every merchant gets.
We're an independent sales organization working with one of the largest payment processors in the country. That means bank-grade infrastructure, with a team that's actually on your side of the counter.
Get your mojo back. Keep your margin, take back your time, and stop wondering what your processor is really charging you.
100+
businesses served
Every
fee line on your quote
3 days
typical time to go live
24/7
answers from our AI assistant
Our promises
Six things we'll never compromise on
We show our math
Your quote puts every line of your statement next to ours, with the card mix behind it. If we can't save you money, we'll say so.
We never lock you in
Month-to-month, no early termination fee, no equipment leases. We earn your business every month.
We pass costs through
Interchange and card-brand fees at cost, up or down. When the card networks cut a rate, your bill drops with it.
Answers when you need them
Our AI assistant answers questions 24/7, and our team is available weekdays, 9 a.m.–5 p.m. ET, for anything it can't solve.
No fine print
Every fee in your program is on your quote before you agree to it. No tiers, no non-qualified surcharges, no cancellation fee.
We build the tools
Invoice payments, POS Gateway, deposits and diagnostics, built in our own portal and improved every month.
Side by side
Mojo vs. the typical processor
| Feature | Typical processor | Mojo Payments |
|---|---|---|
| Pricing | Flat or tiered rates that hide the markup | A program priced from your statement, lowest on the transactions you run most |
| Wholesale cost | Bundled into the rate | Interchange and card-brand fees at cost, shown separately |
| Business cards | Corporate and purchasing cards at the top rate | Level 3 data from your invoices for the lower commercial rate |
| Your quote | A rate and a promise | Every fee line, today next to ours, with the card mix it is based on |
| Contract | 1–3 years, with early termination fees of $295–$495+ | Month-to-month. Cancel anytime, no fee. |
| Equipment | Leases you can't cancel | Often keep what you have. Buy outright if you need new. |
| Your data | A portal that only shows batches | Deposits matched line by line, team roles, diagnostics |
What switching looks like
What switching to cost-plus looks like
“Most of our sales are small debit tickets, and they were billed like premium credit cards. The new program priced those lowest and showed us every line. Same Clover, same staff, about $600 a month less.”
“Half our customers pay with purchasing cards. Once our invoice lines went with the payment, those cards started costing us about a point less.”
“I was skeptical, because every processor promises savings. They showed me the math on my own statement, line by line. No contract either, so there was nothing to lose.”
Illustrative scenarios based on typical merchant results, not customer reviews. Individual savings depend on volume and current rates.
Your quote
See all the math. Free, in 24 hours.
Apply online and upload a statement from any processor. We'll show you every line of your bill next to what it would be with Mojo Payments. No contract, no pressure, and if we can't save you money we'll say so.