Cheaper credit card merchant pricing
When we say wholesale-style processing, we mean a program where your cost is built closer to interchange and network assessments, with processor margin disclosed in a way you can audit. It is still the same card networks and settlement flow your customers expect.
What you are paying for today
- Interchange and assessments. Set by the card brands and passed through on every transaction.
- Processor markup. Discount rate, per-item fees, monthly line items, and risk-related charges your ISO or processor adds.
- Downgrades and card mix. How you take the card (card present versus keyed) changes which interchange category applies.
What PFAdvance wholesales
We do not invent a new payment rail. We resell enterprise-grade processing from a global partner so mid-market merchants get pricing and tooling that are usually sold through larger portfolios. Your savings analysis compares your current stack to that program using your real statement.
What happens after the analysis
If you proceed, we handle application, underwriting, and terminal deployment. You switch when the numbers make sense. There is no long-term lock-in on our standard offer.