PSBill service rates depend on two main factors "high risk" vs "low risk" of the business category and volume the amount of transactions. Please note: most merchants can qualify for no annual fees and no cancellation fees. (Month to Month merchant account services)


Below are some average and typical rates for different business types. Since no two businesses are the same each is evaluated as an individual business to determine your transaction rates and fees and what bank underwriting departments will approve. Please Note: rates below are just some samples. Many merchants will qualify for even cheaper and lower rates.

Business / Company TypeApproximate Rates
Offline Retailer / Swiped Transaction1.59%
Retail Store / Keyed In1.79 - 2.25%
Smoke Shop Retail1.99 - 2.99%
Adult Novelty Store Retailer1.99 - 2.99%
Mail Order / Telephone2.19 - 2.99%
Common Ecommerce Website2.29 - 2.99%
High Risk Merchant Website2.39 - 3.99%
Bad Credit Merchant Account2.49 - 3.49%
Smoke / Cigar Shop Online2.69 - 3.99%
Online Adult Business2.99 - 4.50%
Collection Agency2.99 - 4.50%
Travel Agencies2.99 - 4.50%
Credit Repair Merchant2.99 - 4.50%
Offshore Merchant Account4.99 - 9.50%


Our pricing is extremely competitive with no hidden charges. Just fill out the form and we will send you detailed information and least expensive pricing quote from our system. No client is too small or too big – we can have you up and running in no time.


But you are looking for something cheaper & better? We can help. We will analyze your current processing statements for free and compare with other banks and tell you honest and upfront if we can do better. Just fill out the form and we will send you information.

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With our free, no obligation online application, you can start accepting credit cards or utilize our services in less than 48 hours! If you want to do it now,