Advertiser Disclosure

Get a 0% Interchange-Plus Markup with Membership Fee Pricing

  • Updated on:
Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
Tom DeSimone
Based in New York’s Hudson Valley, Tom has written for Merchant Maverick since 2013. His work is cited by publications including TechCrunch, Washington Business Journal, and Bank Advisor. He currently serves as Partner Marketing Manager, where he works to connect exceptional brands with the readers they serve best.
Leave a comment


Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Boris Torres

    So just to be clear, by adding the monthly subscription fee I won’t have to pay the “interchange” fee? Or is it always going to be the interchange plus their processing fee.

      Tom DeSimone

      Hi Boris,

      You will have to pay the interchange fees and other pass-through fees just like with normal interchange-plus pricing. But there will not be a percentage markup. You pay the flat monthly fee to access the service.


        Would you consider Heartland a good company to you for my business, since a Global bought them?

          Jessica Dinsmore

          Hi Rhonda,

          We rate Heartland and Global with 4/5 stars. Depending on your business needs, one of our highest rated processors, like CDG or Dharma, may be better options for you. Check them out and see what you think!

            Casey Hagadorn

            I cant find where they state the fee. Please just tell me the bottom line. I make jewelry so I don’t have alot of business. Thanks!

              Chloe Bahal

              Hi Casey,

              There are many factors that affect the fee so your best bet is going to be to contact the processor directly and get a quote. I hope this helps and if you have further questions please let me know.


                What is the flat fee that Payment Depot charges? It doesn’t seem like they are truly transparent with this information since you didn’t have it in your review. Is it based on volume? Does it change based on type of merchant? It is quite possible that the flat fee that Payment Depot charges is too high to be truly competitive with certain business types. I believe this model will put Payment Depot out of business in a few years because I they won’t make enough profit to sustain itself. Which will be bad for merchants in the long run. And it is quite possible they will be forced to increase their membership fee over time to cover costs. READ the fine print.

                Leave a Reply

                Your email address will not be published. Required fields are marked *

                Your Review

                Comment moderation is enabled. Your comment may take some time to appear.
                Please read the "User Review and Comment Policy" before posting.