The wholesale cost, passed straight to you.
The card network's true cost on every transaction, with no markups. You pay what we pay. No PCI or statement fees, ever.
No account fees
No minimum, software, or statement fees.
No cancellation fee
No long-term contract and no termination penalty. Leave anytime.
Get paid faster, free
Next-business-day settlement on card volume, at no extra cost.
What others charge, and what you pay with us.
Traditional processors stack fees on top of your rate. With Assurna, the only thing you pay for is processing.
| What others charge | Assurna | |
|---|---|---|
| Pricing model | One bundled flat or tiered rate on every sale. The processor keeps the difference between that rate and the card's true cost. | Simple Pricing The network's true wholesale cost, passed straight through with no markups, so you pay what we pay. When network costs drop, your cost drops too. |
| Processing markups | A percentage markup baked into every sale on top of the card's true cost, so you never see what the network actually charged. | At cost We pass interchange straight through. You pay the network's true cost, with no markup added on top. |
| Statement fees | A charge to generate or mail your monthly processing statement. | $0 Digital statements, always free and always accessible. |
| PCI compliance fees | A fee for “security,” plus a penalty if you don't finish the annual questionnaire. | $0 PCI tools and Level 1 compliance included. |
| Setup & application fees | An upfront charge to open and underwrite your merchant account. | $0 Free setup. A specialist stands up your account. |
| Account migration | A charge to move your cards on file, customers, and recurring plans across. | $0 Free migration, moved securely in the background. |
| Monthly minimum | A penalty when your processing volume falls below a set floor. | None A slow month costs you nothing. |
| Gateway fees | A separate monthly and per-transaction charge to route online payments. | $0 Gateway included for online and recurring. |
| Non-qualified surcharges | Higher “non-qualified” rates on rewards, business, and keyed-in cards. | At cost Every card passed through at its true interchange, with no downgrade buckets. |
| Equipment & terminal lease | A multi-year lease on a locked-down terminal you never own. | None Tap to Pay on a phone you already own. No hardware to buy or lease. |
| Early termination fee | A penalty to leave, often hundreds of dollars, buried in a multi-year contract. | $0 No long-term contract. Leave anytime. |
| Chargeback markup | A marked-up fee on every dispute, win or lose. | At cost Disputes passed through at the network's cost, never marked up. |
Before you switch.
Short answers to the things that actually decide a processor. A specialist covers the rest on your call.
How much does Assurna cost, and how quickly will I get a custom quote?
Assurna passes card-processing costs straight through with no markup, and charges no PCI, statement, setup, or cancellation fees. There is no published flat rate, because a flat rate overcharges most businesses. Share a recent processing statement and a specialist returns your custom quote, line by line, usually within one business day, so you can compare it against what you pay today before deciding anything.
Will switching to Assurna disrupt my current payment processing?
No. Most businesses are live within days with zero downtime. Your specialist migrates cards on file, customers, and recurring plans in the background, then cuts over once everything is verified, so you never stop taking payments.
Do you integrate with my existing software?
Yes. Connect through a REST API, webhooks, and a JavaScript drop-in, with prebuilt links for hosted checkout and payment pages. Volume reconciles to one ledger and exports clean to QuickBooks and Xero. Tell your specialist what you run and they confirm the fit before you switch.
What if I want to switch, but I'm locked into a long-term contract?
Tell your specialist. They read your current agreement, find the real cost of leaving (often lower than the penalty implies), and time the switch so you are never paying two processors at once. On our side there is no long-term contract and no termination fee, ever.
Can I migrate my recurring billing and saved cards?
Yes. Tokenized cards on file, customer records, and recurring plans move into the secure vault under PCI DSS Level 1, so subscriptions keep billing without asking customers to re-enter anything. Raw card data never touches your systems.
Ready to stop overpaying to get paid?
Send one recent statement. A specialist builds your custom quote, line by line, usually within a day.