Transparent Merchant Pricing Built for Predictable Profit

Predictable costs start with crystal-clear math. KKCM’s framework lets merchants choose the best fit—interchange-plus for wholesale transparency, flat-rate for simple cash-flow, tiered for optimized card mixes, or compliant cash-discount programs that offset fees. We audit every statement line by line before onboarding, synchronize rates with network updates, and perform quarterly reviews to confirm savings stay intact. The result is a stable, easy-to-forecast expense that protects margins today and scales smoothly as your business grows tomorrow.

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Growth-Focused Partnership Paths for ISOs, ISVs & Advisors

  • Reverse Cash Discount — Legally Offset Processing Fees

    Display dual prices—one for cards and a lower cash amount—using fully integrated POS scripting that prints compliant receipts. High-ticket or low-margin merchants preserve profit, encourage cash usage, and streamline reconciliation, all while meeting state regulations and card-brand disclosure rules without raising sticker prices or alienating loyal customers in store today.

  • Interchange-Plus — Transparent Wholesale Pricing

    Pay the networks’ raw interchange cost plus one fixed markup—absolutely no hidden mid-qual or non-qual add-ons. Perfect for merchants processing $10K or more each month, this model pairs next-day funding with granular analytics dashboards, allowing you to track true effective cost as volume, ticket size, and card mix evolve smoothly.

  • Flat-Rate Processing — Simple, Predictable Costs

    A single blended percentage and flat per-transaction fee covers every card type, every swipe, every tap, every time. Start-ups, nonprofits, and seasonal operators enjoy effortless cash-flow forecasting and month-to-month terms, eliminating statement surprises and hours spent decoding surcharge grids while letting management focus on marketing, staffing, and growth and security.

  • Tiered Pricing — Optimized Qualification Buckets

    Transactions are sorted into qualified, mid-qualified, or non-qualified tiers specifically tuned to your ticket size and risk profile. Quarterly optimization reviews automatically migrate volume to the lowest feasible category, protecting margins while still accepting rewards, corporate, and international cards without compliance headaches, additional paperwork, or unexpected downgrades or fees later.