Transparent interchange-plus card processing, paired with the tools that help your business follow up, get paid and grow. We'll estimate your real effective rate before you apply.
Every card payment begins with underlying network and issuing-bank costs. Your processor then adds its own pricing on top. Flat-rate providers roll those pieces into one rate, so lower-cost transactions can subsidize higher-cost ones. Zend uses transparent interchange-plus pricing: the underlying cost is passed through, and the margin is shown separately — without needing a decoder ring.
A headline rate can't tell you what your business will pay. Your card mix can. Give us a few basic numbers and we'll estimate your effective rate side by side with what you pay now — clearly labeled as an estimate, not a guaranteed rate.
That's $6,706 back in your business bank account every year.
Assumptions: 85% of volume & transactions processed as debit at 1.25% + 25¢; 15% credit at 1.5%. Interchange rates vary by card brand, type, and transaction origin. Competitor rates are published flat rates.
Lower fees are the start, not the point. The point is what those dollars do next.
Pay a transparent cost-plus rate — not one padded flat rate.
Your effective rate is based on how your customers actually pay. We'll estimate your number before you apply and tell you if wholesale pricing is unlikely to improve it.
Turn avoidable processing markup into useful business tools.
There is a monthly platform fee, and we show it separately. For many businesses, processing savings can offset some or all of that cost — replacing disconnected subscriptions with one working system. Same money out the door. Completely different result.
Start with payments. Turn on more as the business grows.
Use the tools you need now and add the rest when they become useful. Payments are the starting point, not the entire platform.
Stop stitching together separate systems that don't share the same customer history.
Take payments in person, online, by invoice or on a recurring schedule — with the transaction connected to the same customer record.
Keep leads, conversations and follow-up in one place. Automate the reminders that are easy to forget when you're busy doing the actual work.
Coordinate bookings, orders and financial records with fewer handoffs. Activate only the connected modules that fit the business.
Switching processors often feels easy until the application reaches underwriting. Then the updates stop, questions go unanswered and you don't know what is holding things up. Zend gives you a real person who knows your application, explains what is needed and keeps you informed from submission through setup.
Send an invoice by text or email. Your customer chooses from the payment methods enabled for your Zend account. The invoice status stays connected to the customer record, giving you a clearer view of what has been paid and what still needs attention.
Card payments use transparent wholesale pricing. Lower-cost payment options may reduce the blended cost of getting paid when available and appropriate for the transaction.
Automated SMS Agent
The strongest proof is your own processing history. Upload a recent statement and we'll show the current effective rate, the visible fees and an estimated Zend comparison — before you decide whether switching makes sense.
Enter your info and a real person will review your transaction mix, walk you through the comparison and tell you honestly whether the numbers support a switch.
Zend uses interchange-plus pricing. The underlying card costs are passed through and the processor margin is shown separately instead of being hidden inside one flat rate.
It depends on card mix, ticket size, transaction type and business category. Use the calculator for an estimate or upload a recent statement for a more accurate comparison.
No. Very small average tickets or a high share of premium rewards and corporate cards can narrow the advantage. We'll tell you when the numbers do not support switching.
Yes. Processing and platform costs are shown separately so you can evaluate each one clearly. Final plan pricing will be published once the complete fee stack is confirmed.
No. Start with the functions your business needs and activate additional connected tools as they become useful.
Timing depends on the bank and underwriting requirements. Zend cannot promise the approval date, but a real person will keep you informed throughout the process.
Migration options depend on your current provider, token portability and the receiving gateway. We will confirm what can be transferred before promising a migration plan.
In many cases, a parallel setup is possible. Zend will map the transition around your current system and confirm the cutover plan before anything is canceled.
See what you may be overpaying in about ninety seconds — without starting an application.
See what you could save →