Start with your business.
We review your current statements or projected sales, how customers pay and what you want to improve.
Concierge credit card processing
Smarter payments.
Expertly connected.
Merchant solutions.
Built around your business.
Compare processors, payment devices and software with a team that explains the costs and helps you get set up.
Start with a conversation (347) 236-4043Built for the way you take payments.
Device. Software. Processing.Matched to your business.
Personal guidanceFrom quote to setup.
Processing partnerships
Start with your business
How you work.
How you get paid.
Choose the starting point that sounds like you. We’ll help connect the right tools, costs and processing options.
A smoother
online checkout.
Connect your website to a suitable gateway and processing account, with a clear integration plan.
A better fit
for your counter.
From a straightforward terminal to inventory-ready POS software, choose what your shop actually needs.
More ways
to serve your clients.
Take payments in person or remotely with equipment and payment tools that suit your working day.
The concierge difference
Good advice.
From first quote to setup.
You should know what you’re paying for and why it fits. We help compare the options and handle the details with you.
Compare the full cost.
Processing, hardware, software and gateway fees belong in the same conversation. We explain them together.
Plan the setup.
We help coordinate the account application, equipment and integration path, with clear next steps.
A better checkout experience
A simple tap.
Every detail considered.
The total on screen. A secure card read. An itemized receipt. We help configure the details your customers see and your team relies on.
Explore the technologyPayment approved
Sample merchantCustomer copy · #000128
- Sale amount
- $48.00
- Total paid
- $48.00
Credit · •••• 2048Entry: contactlessAuth: DEMO01
Thank you for your business.
An illustrative credit-card sale before tax. Equipment, screens and receipts vary by payment application.
Processing plans
The rate is a start.
Understand the full bill.
Compare the transaction structure, payment methods and account costs. We use your statements or projected sales to build an itemized proposal.
01Itemized processor markup
Interchange-plus
0.29%
+ 9¢ per transaction
For businesses that want to see network costs and processor markup separately.
- Processor markup
- 0.29% + $0.09
- Interchange & assessments
- Passed through separately
- Typical fit
- $50,000+ monthly card volume
On a $100 sale: 38¢ markup, plus interchange and network assessments.
Interchange varies by card, transaction and qualification. Your quote itemizes network costs and account charges.
Discuss this plan02Rates by payment method
Flat-rate
2.65%
+ 19¢ in person
For businesses that prefer a set transaction rate for each acceptance method.
- Swiped / in-person rate
- 2.65% + $0.19
- Keyed / online rate
- 3.49% + $0.19
- Pricing structure
- No separate interchange line
On a $100 swiped sale: $2.84 transaction cost, before other fees.
Confirm which devices and entry methods qualify. Monthly, software, gateway and equipment charges are separate.
Discuss this plan03Transaction qualification matters
Tiered pricing
1.45–4.49%
+ 10¢ per transaction
For businesses comparing how different card categories affect their total bill.
- Qualified
- 1.45% + $0.10
- Rewards / keyed
- 2.30% + $0.10
- Business / corporate
- 3.25% + $0.10
- Online
- 4.49% + $0.10
A $100 transaction ranges from $1.55 to $4.59 at the rates shown.
The lowest tier does not apply to every card. Review your actual card mix and the processor’s qualification criteria.
Discuss this planMonthly account cost$7 / month
Indicative PCI program fee. This fee does not itself establish PCI compliance.
If a transaction is disputed$20 / event
Indicative chargeback fee, separate from the disputed sale amount.
Included in your proposalThe complete setup
Hardware, gateway, software, funding terms and any additional account charges.
Rates shown are indicative for qualifying merchant profiles. Final pricing depends on statements or projected sales, average ticket, card mix, acceptance method, location, industry, chargebacks and underwriting. Equipment, gateway, software, network and other account fees may apply. The written merchant agreement determines your rates and terms.
Checkout pricing & compliance
Different programs.
Different responsibilities.
Reducing merchant-paid processing cost starts with the right program. We review your location, card handling, price displays and equipment before activation.
01
Credit-card surcharging
Add a disclosed fee to eligible credit-card payments, where permitted. Debit and prepaid payments stay outside the surcharge program.
See how it works02Cash discounts
Start with a disclosed standard price, then reduce it when the customer pays cash. Card customers pay the posted standard price.
See how it works03Dual pricing
Display the cash and card prices together so customers can compare before choosing how to pay.
See how it worksOur technology offering
More choice.
Less guesswork.
Processing partnerships, recognizable technology and a team to connect the pieces. Explore the options, then let us help you choose.
The foundation of your payments.
Your business leads the decision. We compare the account, pricing and connections behind your payments.
- Fiserv / CardConnect
- Processing with CardPointe, Clover and other approved equipment or software configurations.
- Global Payments / Worldpay
- In-person and online processing, with the device and gateway connections checked around your needs.
- Nuvei
- An additional processing option for online and in-person businesses, reviewed for fit and approval.
At the counter. On the move.
Take payments where you work. We help compare the form factor, connection and features you will actually use.
- Clover
- Countertop, handheld and fuller POS options.
- Verifone
- Countertop and portable payment devices.
- Ingenico
- Payment devices for in-person checkout.
- Valor
- Payment terminals and connected tools.
- Dejavoo
- Countertop and mobile terminal options.
- PAX
- Android handhelds, countertop terminals and integrated payment devices.
- Oracle MICROS
- Hospitality workstations and handhelds for supported POS environments.
- ID TECH
- Selected secure readers and keyed-entry devices: VP3300, VP3350 and SREDKey 2.
Tools that run more of your business.
When you need more than a terminal, we help match order, inventory and staff workflows to a suitable POS system.
- Cluster POS
- Restaurant operations and ordering.
- HotSauce
- Restaurant and hospitality POS.
- KORONA POS
- Retail checkout and inventory.
- Paradise POS
- Restaurant and retail POS.
- retailcloud
- Retail and hospitality tools.
- Clover POS
- Register, inventory and business tools with device-specific software plans.
- SALIDO
- Restaurant point of sale, reporting and multi-location operations.
- Genius
- Global Payments’ POS platform for retail, restaurants and growing operations.
Connect the way you get paid.
A gateway is the payment connection, separate from your processor and POS software. We verify the product and integration—not just the brand behind it.
- CardPointe
- Gateway, hosted payment pages and virtual-terminal tools within the CardConnect offering.
- Authorize.net
- Online checkout, recurring billing and remote payments through supported integrations.
- USAePay
- Gateway and virtual-terminal workflows for supported merchant configurations.
- NMI
- Gateway connections for websites, payment software and integrated checkout.
- Worldpay ExpressWorldpay · formerly Vantiv
- Gateway connectivity for supported integrated payments. We verify your POS connection and the exact processing platform.
- First Data GatewayFiserv
- Gateway and virtual-terminal options for supported First Data / Fiserv configurations. Platform and regional support are checked first.
- PaysafeGateway & online payments
- Online payment integrations, hosted checkout and supported payment APIs. We review the account, platform and recurring-billing requirements.
- PayTrace
- Virtual-terminal and B2B payment tools, including supported invoice and enhanced-data workflows.
Giving tools with a clear purpose.
Explore a giving experience built around your organization, your supporters and the way you fundraise.
- GiveHub
- Donation collection, donor-management and communication tools.
- Ways to give
- Online, mobile, text and kiosk options, matched to your campaigns and events.
- Donor follow-up
- Donor records, communication and reporting tools for the team managing your fundraising.
Payments with more potential
Your card sales.
Your next opportunity.
A tailored marketing budget, connected to the way your business gets paid.
Through AquaPay’s proprietary marketing program, eligible merchants can put qualifying card-processing activity toward marketing designed to attract new customers.
Explore marketing supportEligibility, budget and services are agreed individually. This is a marketing benefit; it does not promise cash back or guaranteed customer growth.
AquaPay marketing programFor eligible businesses
- 01
Your card sales
Qualifying processing activity
- 02
Your marketing budget
Tailored to your arrangement
- 03
Your next opportunity
Marketing designed to reach new customers
An agreed marketing budget tied to eligible processing. Program terms apply; results vary.
Business funding · Powered by Fidelity Funding
Your processing history.
More ways to move forward.
Planning an equipment purchase, stocking inventory or covering an operating need? Explore funding based on your business revenue and card activity, with the cost and collection method explained before you decide.
Explore business fundingSubject to review and written terms. Availability and funding costs vary.
Built around your business activity
Processing history
Sales volume · Consistency · Existing obligations
Business reviewFunding options
Powered by Fidelity Funding
Illustrative process. Funding terms are determined after review.
Meet AquaPay
Payment questions?
Talk to people.
AquaPay helps business owners make informed decisions about credit card processing.
Our office is at 39 Broadway in New York City. We work with merchants across the East Coast, comparing processing, equipment and software around how each business operates.
Your point of contact
New York, NY 10006
Let’s look at your setup.
Have a statement, a website or a question about your equipment? Start with a conversation.
+1 (347) 236-4043info@aquapayusa.com39 Broadway, Suite 650New York, NY 10006
Let’s make it work for you
Your next step
starts with us.
Starting a business, reviewing your costs or replacing a setup that no longer fits? Tell us what you need. We’ll help narrow the options.
+1 (347) 236-4043info@aquapayusa.comBased in New York. Serving the East Coast.