Lucrative Merchants Pricing

Simple, Transparent Pricing

Two proven pricing models. We'll help you choose the one that saves your business the most money.

Which Pricing Model Is Right for You?

Lucrative Merchants offers two pricing structures. Both are fully transparent — no hidden fees, no surprises.

A

Interchange-Plus

Also known as Cost-Plus Pricing

You pay the base interchange rate set by Visa and Mastercard, plus a small fixed margin and a per-transaction fee. This is the most transparent model in the industry — you see exactly what the card networks charge and exactly what we add on top.

How it works:

  • • Interchange rate (set by card networks) + small basis points above
  • • Small per-transaction fee applies
  • • You absorb all processing costs
  • • Customers see no additional fees at checkout

Best for:

High-volume businesses, eCommerce stores, businesses with large average ticket sizes, or merchants who prefer customers see no surcharge at checkout.

Apply with Interchange-Plus →
B

Cash Discounting

Most Popular

Also known as Dual-Mid Pricing

You pay a flat $45/month — nothing more. A small service fee (~4% per transaction) is presented to customers at the point of sale. Customers who pay with cash receive a discount, bringing their price back to the base amount. You keep 100% of every sale.

How it works:

  • ✓ Flat $45/month — no per-transaction fees to you
  • ✓ ~4% service fee displayed to card-paying customers
  • ✓ Cash customers receive a discount back to base price
  • ✓ Fully compliant with card network rules

Best for:

Small businesses, restaurants, retail shops, service businesses, and any merchant who wants to eliminate processing costs entirely.

Apply with Cash Discounting →

Side-by-Side Comparison

Feature Interchange-Plus Cash Discounting
Monthly Fee Varies $45 flat
Per-Transaction Fee Yes None to you
Who Pays Processing Fees The merchant The customer
Customer Surcharge at Checkout None ~4% for card payments
Cash Discount for Customers No Yes
Card Network Compliant Yes Yes

Not Sure Which to Choose?

Apply and let us know you're undecided — Kingsley will review your business and recommend the best fit before submitting your application to underwriting.

Start My Application →