High-volume merchants should compare the real effective rate—not just the advertised rate
When a business processes tens of thousands of dollars every month, even a small difference in effective rate can create a major monthly and annual cost difference.
SecureTrust helps high-volume merchants compare their current statement against our published 2.00% + 3¢ standard processing structure, Dual Pricing, Clover POS, virtual terminals, gateway tools, and other payment workflows.
Serving businesses across Florida, with sales representatives in New York and additional expanding markets.
Per transaction for approved SecureTrust merchant accounts.
Equipment, software, gateway services, leasing/financing, chargebacks, and other optional or account-specific charges may apply. Card-brand assessments are not added separately on top of SecureTrust standard 2.00% + 3¢ processing. leasing/financing, and other account-specific charges may apply depending on the selected setup.
Small rate differences become large dollars
At high monthly volume, a difference of only a few tenths of a percent can translate into hundreds or thousands of dollars over time.
Effective rate matters more than marketing
The important number is what the merchant actually paid after transaction fees, monthly charges, card costs, gateways, software, and other account expenses.
Workflow still matters
High-volume counters, invoices, phone payments, online payments, keyed activity, and multiple locations can require different payment tools.
What we review in a high-volume merchant statement
High-volume merchants should not make a decision from one advertised rate. We review the entire statement and the way the business accepts payments.
The right comparison is monthly dollars—not a tiny headline markup
A processor can advertise a very small markup and still produce a high total effective rate after the underlying card costs and account fees are included.
SecureTrust compares the merchant’s actual monthly cost against a published 2.00% + 3¢ structure so the business can see the difference in real dollars.
Why SecureTrust does not push Interchange Plus for high-volume merchants
High volume is often used as a reason to sell Interchange Plus. The pitch may sound attractive because the processor markup looks very small. But the merchant still absorbs the underlying interchange, card-brand costs, transaction charges, and account fees.
Rewards cards, commercial cards, premium cards, keyed transactions, online payments, and other activity can make the real-world cost much higher than the advertised markup suggests. That is why SecureTrust focuses on the total effective cost instead.
| What gets advertised | What the merchant should ask |
|---|---|
| “Interchange + a tiny markup” | What is my total effective rate after interchange, assessments, transaction charges, and monthly fees? |
| “Wholesale card costs” | How much does my actual card mix cost, including rewards, premium, corporate, and commercial cards? |
| “Transparent pricing” | Can you show me the total estimated monthly cost—not just the processor markup? |
Interchange Plus is a legitimate pricing model and may fit some businesses. SecureTrust’s position is that merchants should compare the full effective cost rather than assuming a small markup means a low total rate.
High-volume merchants can keep the remaining card-price value
SecureTrust’s Dual Pricing program does not take the added card-price difference as an extra SecureTrust markup.
The full card transaction is processed at the approved rate, and the remaining card-price amount stays with the merchant.
At higher monthly volume, that difference can become financially meaningful.
Example shown for illustration. Actual Dual Pricing structure, customer-facing price difference, and account-specific costs depend on the approved merchant setup.
High-volume payment tools
High-volume processing is not only a pricing question. The payment tools need to support the merchant’s volume, staff, locations, and customer workflow.
Clover POS
Counter checkout, customer-facing displays, staff permissions, receipts, reporting, and mobile payment options.
Clover POS →Virtual Terminal
Phone payments, deposits, office collections, keyed transactions, and remote-payment workflows.
Virtual Terminal →Payment Gateway
Website checkout, payment links, invoice payments, hosted pages, and online reporting.
Gateway Setup →Multiple payment channels
Combine in-person, mobile, keyed, invoice, and online payment workflows around the business operation.
Merchant Services →Businesses that often benefit from a high-volume review
Your agent stays involved as the account grows
SecureTrust agents remain involved with the merchant relationship, giving high-volume businesses a continuing point of contact for statement reviews, equipment, pricing questions, payment programs, processing concerns, and support.
High-volume merchant processing questions
What is SecureTrust standard pricing for high-volume merchants?
SecureTrust standard processing is 2.00% + 3¢ per transaction for approved SecureTrust merchant accounts, plus a $25 monthly platform fee.
Why should high-volume merchants focus on effective rate?
Small differences in total effective rate can create large monthly and annual cost differences when processing volume is high. Effective rate reflects the real processing cost after transaction charges, monthly fees, gateways, and other account costs are included.
Does SecureTrust recommend Interchange Plus for high-volume merchants?
No. SecureTrust currently focuses on its published 2.00% + 3¢ standard pricing and other available programs rather than Interchange Plus. We can still review an existing Interchange Plus statement and compare its real effective cost against SecureTrust pricing.
Can Dual Pricing work for high-volume businesses?
Yes, depending on the approved merchant setup. SecureTrust Dual Pricing allows the merchant to retain the remaining card-price value after the normal processing charge rather than SecureTrust keeping the added card-price difference as an extra markup.
Can SecureTrust review my current high-volume statement?
Yes. SecureTrust can review monthly volume, transaction count, average ticket, effective rate, card mix, keyed activity, gateway costs, monthly fees, equipment, and payment workflow.
Do high-volume merchants get a dedicated agent?
Yes. SecureTrust merchant accounts receive ongoing support from a dedicated agent who can help with statement reviews, pricing questions, Clover equipment, payment programs, processing questions, and support after activation.
Want to know what your current processing is really costing you?
Send SecureTrust your current statement. We can calculate the real effective cost and compare it against our published 2.00% + 3¢ standard pricing and available Dual Pricing options.