Financial infrastructure for any business model.

Whether you want to eliminate processing fees entirely or offer ultra-low interchange rates, Pacer equips you with industry-leading flexibility.

Cash Discounting

Reward customers who pay with cash while offsetting up to 100% of your credit card processing fees instantly.

  • Eliminate credit card processing fees
  • Automatically adjust prices at the register
  • Fully compliant with card network rules
  • Keep 100% of your listed revenue
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Surcharging

Pass the cost of credit card acceptance directly to the consumer at checkout, protecting your margins.

  • Automatically apply surcharges to credit cards
  • Zero surcharge applied to debit transactions
  • Built-in compliance mapping per state
  • Transparent receipt disclosures
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Interchange Plus

The most transparent pricing model available. Pay exactly what the card networks charge, plus a small markup.

  • True wholesale cost transparency
  • Ideal for B2B and high-volume merchants
  • Optimize Level II and Level III processing
  • Detailed statement reporting
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Flat Rate

Simple, predictable pricing. No matter what type of card your customer uses, your rate remains exactly the same.

  • One easy-to-understand rate
  • No hidden fees or statement shocks
  • Perfect for low-ticket or simple retail
  • Rapid onboarding and activation
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Enterprise-Grade Reliability

Built on the same concepts powering giants like Stripe and Shift4, our infrastructure ensures maximum uptime, top-tier security, and seamless integration for businesses of all sizes.

Ready to upgrade your processing?

Get a custom proposal and find out which model fits your business best.

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