Our 100% transparent Interchange PLUS pricing saves you money, with low rates.
No monthly fees, or contracts. Simple and cost-effective.
Businesses save 35% on average with ODoF Merchant Services
1.73%
+0.8¢
In-Person (Average)*
2.29%
+0.25¢
Online & Keyed (Average)*
Average PIN-Debit Rate
0.05% + 20¢
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)*
$
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
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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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
Discover additional methods to boost your business profitability.
Significantly reduce your expenses by facilitating online ACH bank payments or by transferring your credit card processing fees to your customers, encouraging them to use cash or debit cards.
Payment Fees are passed to customers.
Shift your credit card processing fees to your customers and clients to accept credit cards at no cost (0%). Effortlessly manage surcharges, convenience fees, and service charges with Elavon Fee Saver.
0%
Payment Fees are passed to customers.
Online ACH Fees capped at $6 per transaction
Online ACH payments enable you to directly collect funds from your customers’ bank accounts. Utilizing the ACH network allows you to bypass credit card fees and provides more predictable revenue for your business.
0.50% + 25¢
Online ACH Fees capped at $6 per transaction.
FAQ.
Credit card processing fees vary by company and can be influenced by several factors including:
- The pricing model and the processor’s margin
- The interchange rate
- The type of card and transaction
- The industry of your business
Since our inception, we’ve committed to transparent and fair pricing through a model known as Interchange Plus pricing. This model, widely recognized as both honest and cost-effective, is particularly beneficial for small and medium-sized businesses.
Interchange Plus pricing involves adding a consistent markup to the wholesale cost, or interchange rate, of a transaction. This approach directly benefits our merchants by passing savings onto them, unlike flat rate pricing models that often capture a larger margin.
The interchange fee, which is one component of processing fees, along with the processor’s margin, are key factors. Interchange rates, set by card brands like Visa and Mastercard, reflect various factors such as:
- Card type and brand
- Business Type
- Transaction nature
- Processing costs
- Risk elements like fraud potential
- Consumer rewards and benefits
The second component of your processing fees is the processor’s margin, which is determined by your payment processor. The amount you pay to accept payments is influenced by the pricing model your processor adopts and the margin they apply.
Interchange rates are available on our website and are updated biannually in April and October.
Access to our comprehensive suite of business tools, including invoicing and virtual terminal services, is free with a ODoF Merchant account. There are no hidden charges or monthly fees, and you only pay for the transactions you process.
ODoF Merchant Services does not impose additional fees for refunds. However, the processing fees from the original transaction are non-refundable. Processing fees for same-day refunds can be avoided by voiding the transaction before closing your batch.
We offer volume discounts tailored to the needs of businesses processing a high volume of transactions. For details, please contact our sales team at Merchant@ODsonFinance.com.
Our use of the Interchange Plus model allows for transparent, no-hidden-fees pricing, passing the benefits of lower interchange rates to merchants, as opposed to Square’s flat rate model which includes a larger margin.
We charge no setup fees or monthly charges. Our fees are transaction-based, meaning you only pay for what you use.
We charge a competitive $15 fee per chargeback transaction, which is waived if the merchant wins the dispute.
We do not lease equipment; we recommend purchasing equipment directly to avoid expensive leases. We offer a range of affordable equipment options, including the option to buy a smart terminal at wholesale prices.
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.