Choosing the right payment processing setup is not just about finding the lowest advertised rate. The best pricing model depends on how your business accepts payments, your average ticket size, transaction volume, and whether you need invoicing, ACH, card-present payments, or online payments. At Nationwide Payment Systems, we offer several pricing options through the NPSONE payment platform, giving businesses more flexibility than a one-size-fits-all flat-rate model.

NPSONE Platform Pricing

NPSONE starts at $49 per month. There is: No statement fee No monthly minimum No PCI fee No monthly ACH fee Businesses can then choose the payment pricing model that best fits how they operate.

Cost-Plus Payment Processing

Our standard cost-plus pricing starts at: Interchange + 0.30% + $0.10 per transaction Cost-plus pricing can be a strong option for businesses processing higher monthly credit card volume because the actual interchange cost is separated from the processor markup. If you are already processing payments, we recommend providing recent merchant processing statements. We can review your current effective rate, fees, and transaction mix to determine whether we can offer better pricing.

Flat-Rate Credit Card Processing

Businesses that prefer simple, predictable pricing can choose flat-rate processing.

Card-present transactions:

2.69% + $0.10 per transaction

Card-not-present transactions:

3.50% + $0.20 per transaction Card-present pricing generally applies when the physical card or supported digital wallet is used at a payment terminal. Card-not-present transactions typically include online, keyed, virtual terminal, and certain remote payments.

ACH Payment Processing

Businesses can also accept ACH payments through NPSONE. ACH pricing: 1% per transaction Depending on the transaction and applicable rules, the business can either absorb the ACH processing cost or pass the fee to the customer. ACH can be particularly useful for: Large invoices B2B payments Recurring payments Professional services Businesses looking for an alternative to credit card payments

Dual Pricing

NPSONE also supports dual pricing at 4%. Dual pricing allows a business to display a cash price and a card price, giving customers a choice in how they pay while helping the business offset payment acceptance costs. Businesses should always make sure their dual-pricing program is implemented correctly and follows applicable card-brand and disclosure requirements. Get Started – CTA Book a Demo – CTA

Add Smart Invoicing

Businesses that need invoicing and payment collection tools can upgrade to: NPSONE Smart Invoicing — $79 per month The same payment processing pricing options above are available with Smart Invoicing. Smart Invoicing is designed for businesses that want to send invoices and give customers an easy way to pay electronically without relying on emailed PDF invoices and manual payment follow-up.

Which Payment Pricing Model Is Best?

There is no single answer for every business. A smaller business may prefer the simplicity of flat-rate pricing, while a company processing significant monthly volume may save more with cost-plus pricing. Businesses handling larger invoices may want to encourage ACH, while retail and service businesses may benefit from dual pricing. The best way to determine the right structure is to review your actual processing activity.

Want to See What You Could Save?

Send Nationwide Payment Systems your current merchant processing statements. We can review your rates, fees, transaction types, and monthly volume and compare your existing payment setup with the available NPSONE pricing options. [Request a Payment Processing Review] Book a Demo Get started