ODoF Merchant Services provided us with the seamless integration we needed for our payment systems. Their equipment is user-friendly, and their rates are very competitive.
Doctors significantly lower their processing fees with OD Merchant Services.
Businesses save 35% on average with ODoF Merchant Services
Our 100% transparent Interchange PLUS pricing saves you money, with low rates.
No monthly fees, or contracts. Simple and cost-effective.
No Application Fees
No Monthly Fees
No Hidden Fees
In-Person (Average)*
1.73%
+8¢
Average PIN-Debit Rate
0.05% + 22¢
Online & Keyed (Average)*
2.29%
+25¢
Enjoy consistently low transaction fees—that’s our approach. We are all about transparency.
Skip the rate negotiations. With us, you’re getting genuine cost savings as we extend to you the lowest interchange fees across all credit card types.
Interchange Rate Based on Card Types (Standard)
1.60 – 2.60%
1.60 – 2.50%
1.55 – 2.50%
2.30 – 3.50%
0.05%
ODoF Merchant’s Margin
(In person payment)
+0.30% + 8¢
*Debit + 20¢
What you pay
1.90% + 8¢
1.90% + 8¢
1.85%+ 8¢
2.6% + 8¢
0.05% + 20¢
Effective Average Rate =1.73% +8¢ = Average in-personal qualified swiped or chip transaction
(Debit/Credit Card)*
The more you process, the more you save.
We start with the lowest interchange fee, add a minimal and clear margin, and then reduce that margin as your processing volume increases.
| In-person payments | Keyed & online | Your monthly credit card volume | Tiers |
|---|---|---|---|
| 0.30% + 8¢ | 0.40% + 25¢ | $0 – $50,000 | 1 |
| 0.25% + 7¢ | 0.35% + 20¢ | $50,001 – $100,000 | 2 |
| 0.20% + 6¢ | 0.30% + 16¢ | $100,001 – $500,000 | 3 |
| 0.15% + 5¢ | 0.25% + 10¢ | $500,001 – $1,000,000 | 4 |
| 0.10% + 4¢ | 0.20% + 10¢ | $1,000,000+ | 5 |
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$
0
Monthly fees
$
0
Setup fees
$
0
Cancellation fees
$
0
Deposit fees
$
0
PCI fees
$
0
User fees
No contracts.
No monthly fees.
No hidden charges.
Transparent & Clear
Free payment hardware with access to direct lowest wholesale pricing*
Get cost-effective solutions for taking payments at your register, within your office or clinic, or while you’re mobile.
*Receive a $200 credit towards wholesale purchases, ONLY eligible for accounts processing over $30,000 monthly after 3 months, then recheck every quarter.
Ingencio Desk 3500
A cost-effective entry-level offering that provides an easy setup and experience. Wifi-enabled.
- +Free Basic Online Invoicing via Talech Virtual Terminal
Free
Wholesale Price: $193
Axium Smart Terminal
Standalone fully wireless terminal with a touch screen and Talech’s Point-of-Sale built right in.
- +Free Basic Online Invoicing via Talech Virtual Terminal
$186 (52% off)
Wholesale Price: $386
POYNT Smart Terminal
Fast, wireless POS device with built-in features with apps to manage everything from accounting to customer feedback.
- Free Basic Online Invoicing via Talech Virtual Terminal
- + Upgrade to Advanced Virtual Terminal via POYNT HQ ($15-$40/mo) or Converge ($20/mo)
$428 (32% off)
Wholesale Price: $628
Average PIN-Debit Rate
0.05% + 20¢
Amazing 24/7 Customer Support
Enjoy around-the-clock customer support with a personal touch. Quickly connect with a dedicated account manager who truly cares about your business.
FAQ.
Choose us for our transparency, competitive rates, direct access to wholesale payment hardware, advanced tools, and exceptional service. Unlike other processors that surprise you with hidden fees and lengthy contracts, we pride ourselves on straightforward dealings and a commitment to long-term relationships. We’re here to provide the reliable payment solutions you need.
Enjoy 24/7 around-the-clock customer support with a personal touch. Our dedicated team of Merchant Experienced Specialists are on hand to offer their expertise, help you with your inquiries, and guide you—no sales commissions or pressure involved.
Our services are ideal for businesses seeking a streamlined way to accept credit and debit cards, whether online or in person. We offer a variety of payment tools and software solutions designed to simplify and accelerate your transactions.
Funds are typically deposited into your bank account within 24 hrs but can fast-track to 4 hours if needed, depending on when your transactions are settled. Transactions during weekends or holidays are processed the next business day. All transactions are batched and deposited net of processing fees
No, there are no monthly fees or application fees. We’re committed to supporting the growth of small businesses by offering low processing rates, comprehensive merchant tools, and access to our outstanding customer support.
We offer our POS systems at wholesale prices, passing the savings directly to you. For instance, get an Elavon Desk 3500 for free or enjoy a $200 credit toward a modern Smart payment terminal.
Orders for Elavon card readers or Smart terminals are promptly processed, typically arriving within 2-3 business days. Note that delivery could extend up to 5 business days within the US.
Our Interchange Plus pricing model ensures transparency and savings, directly passing the base cost to you with a single, clear markup. This method offers significant cost reductions and complete clarity—no surprises on your statements. Visit our pricing page to calculate your specific rates.
No need to switch banks—you can use your existing bank account, whether it’s a personal account for sole proprietors or a business account for incorporated entities and partnerships. Custom deposit solutions are also available for specific business needs like law firms.
Yes, the more you process, the more you save, thanks to our sliding scale on Interchange Plus margins. Check out our full volume discounts on our pricing page.
Signing up is easy and can be done directly on our website via computer or mobile phone. The form is simple, requiring just basic business and contact information, and takes about 5 minutes to complete. Once your account is set up, you can start using it immediately. Get started here.
What our clients are saying about us
Chiropractor Office Manager
Switching to OD Merchant Services simplified our transactions immensely. The Elavon POS system they offer is top-notch, providing fast and secure processing that keeps our operations running smoothly.
Dentist
ODoF Merchant Services offered us the transparency we needed in payment processing. Their straightforward pricing and reliable customer service have made all the difference!
Medical Practice
We’ve seen a reduction in processing fees and improved service reliability since we started using ODoF Merchant Services. Their support team is always ready to help, which is vital for our business.
Optometrist
As a startup, finding a cost-effective and efficient payment system was crucial. OD Merchant Services delivered that with their Elavon POS solutions, helping us focus on growing our business instead of worrying about payment issues.
Medical Office Assistant
Its time to
cut payment costs
and increase business profitability
Sign up instantly, no paperwork,
no commitments.
**Estimated savings are calculated on annual processing rates and are based on Elavon’s analysis of The Strawhecker Group’s industry data survey in payment processing services as of December 2023 on net revenue from merchants of a similar size and type compared to the portfolio. Actual savings will depend on business type, card type, manner of card acceptance, and volume of transactions. ODoF Members pay an $0 Application Fee and Monthly Statement Fees. Services provided by Elavon.
**Receive a $200 credit towards wholesale purchases, only eligible for accounts processing over $30,000 monthly after 3 months. Eligibility is reassessed every quarter after the initial three months. Terminal purchases must be paid for upfront; eligible accounts will receive a rebate via ACH or check after three months of processing.