Clear Pricing. No Surprise Fees. No Fine Print Games.
Every merchant is different, so we don't pretend one rate fits all. Pick the structure that matches your business — we'll quote it honestly and explain every line.
Interchange-Plus
Pay the true cost of interchange plus a flat, transparent markup. Ideal for established businesses processing higher volumes.
- Lowest effective rate for high-volume
- Full statement transparency
- Pass-through interchange
- No hidden bucket fees
Flat Rate
One predictable rate per transaction. The easy choice for businesses that want a clean P&L and zero surprises at month-end.
- One rate, all card types
- No statement decoding required
- Predictable monthly cost
- Great for newer businesses
Custom
Multi-location, multi-MID, high-risk, or hospitality? We'll build a structure around how you actually run — not a template.
- Multi-location consolidated billing
- Tiered or hybrid structures
- Industry-specific pricing
- Dedicated account specialist
If we can't explain a fee in one sentence, we don't charge it.
Most processors win by burying costs. We win by making them obvious. Every quote we send breaks down exactly what you'll pay and why — so you can compare apples to apples with anyone else in the market.
Five inputs. No mystery.
Every quote we send is built from the same five inputs. If a processor won't show you these on a one-page summary, that's the answer.
Card mix
Debit, credit, rewards, corporate, and international cards all carry different interchange. Your real mix matters more than any headline rate.
Average ticket
A $12 coffee and a $1,200 invoice are not the same transaction. Per-item costs hit small tickets harder.
Monthly volume
More volume earns better interchange-plus pricing. We're transparent about the volume thresholds.
Card-present vs. card-not-present
Keyed and online transactions price differently than in-person swipes. We'll quote each channel honestly.
Industry & risk profile
Restaurants, e-commerce, healthcare, and high-risk verticals each have their own underwriting picture.
We'll read your last statement on a 15-minute call and tell you — line by line — where you're paying and what we'd change. No pitch. Just numbers.
Get a statement audit →How we compare.
| What you should expect | Bonita | Typical ISO |
|---|---|---|
| Quote turnaround | Same day | 3–10 days |
| Statement review on a call | Standard | Rare |
| Hidden tier buckets | None | Common |
| Cancellation terms | No hidden cancellation terms | $295–$595 ETFs |
| Rate locks in writing | Documented | Sometimes |
| Local support contact | New Orleans team | 1-800 queue |
Pricing is only one part of the platform.
Bonita is not racing to be the cheapest processor. We are building the best operating layer for merchants who need better pricing, better support, better reporting, and better control.
Get a quote that actually fits your business.
Pricing depends on your volume, your average ticket, and your card mix — not a marketing page. Send us your last statement and we'll come back with real numbers.
- Interchange-plus pricing, plainly disclosed
- PCI and monthly fees disclosed upfront
- No unnecessary long term contracts when Bonita controls the program
- No hidden cancellation terms
- Pricing commitments documented in writing
- Side-by-side comparison against your current statement