What we put forward
We send the application onward with the published target pricing and explain the cost structure in plain language.
We publish the markup because you should not need a sales call to see it.
The provider pays us for the referral. Pcnaid Inc. is an independent referral partner in Mansfield, Texas. We introduce merchants to North American Bancard / CardConnect CoPilot; we are not the processor, acquiring bank or financial institution.
Target markup, never a promise or guarantee · Underwriting decides final pricing
The part usually withheld is the only negotiable part.
Interchange and card-brand assessments are set outside the sales conversation. The processor markup is the variable, yet it is often the hardest number to get in writing. Publishing it turns a pitch into arithmetic.
We submit applications requesting a target markup of 5 basis points plus 5¢ per transaction. That target is never a promise or guarantee. The processor's underwriting department reviews each business and alone determines approval, final pricing and terms.
This compares processor markup and monthly fees only. Interchange and card-brand assessments are set by the card networks, apply equally to all providers, and are not included.
How the referral model works
A processor can operate the payment network, evaluate risk and move funds without maintaining a direct sales relationship with every small business. Referral partners make the introduction and help an applicant understand what is being submitted.
When we make that introduction, the provider pays us for the referral. That commercial relationship is why this site exists, and concealing it would undermine every claim we make about transparent pricing.
Our influence stops where the processor's authority begins.
What underwriting decides
The processor evaluates the business, may request documents, assigns the final rate and may decline the application. We cannot override that decision.
What happens after approval
The processor and its acquiring sponsor bank provide payment processing, risk management and funding. Holds, reserves and account balances remain under their control.
Honesty still counts when it costs the sale.
A lower target does not make every business approvable, every integration suitable or every funding review avoidable. If another provider fits your software or risk profile better, the useful answer is to say so.
Our position is simpler: show the negotiable number, name the party making the final decision, disclose who pays us and leave enough room for a merchant to decide without being cornered.
Read the numbers, then decide whether to apply.
The calculator uses the same pricing source as the rest of the site and keeps pass-through costs separate from processor markup.
Applying carries no obligation. Underwriting, approval and final rates are determined by the processor.
Not sure this is the right account? See every way to apply →