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How To Accept EBT For Business: The Complete Guide To EBT Card Readers, Merchant Services, & Processing Fees

Want to add Electronic Benefits Transfer payments? The 5 best EBT providers listed below are good all-around choices for both EBT payments and traditional credit/debit cards.

    Frank Kehl

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EBT - Electronic Benefits Transfer

EBT (Electronic Benefit Transfer) is a payment system designed to allow its recipients access to assistance under SNAP (Supplemental Nutrition Assistance Program), TANF (Temporary Assistance to Needy Families), or other aid programs sponsored by the Federal and state governments to buy food and goods.

Although there’s some paperwork involved, adding the ability to accept EBT payments can increase your overall sales while also helping your local community.

In this article, we’ll show you how to become an authorized EBT retailer and discuss the hardware requirements you’ll have to meet before you can accept EBT payments. We’ll also discuss the processing costs associated with EBT payments and recommend some top-rated merchant service providers that offer support for EBT payments at a fair and reasonable cost.

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National Processing

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  • $9.95/month; interchange + 0.18% + $0.10/non-EBT transaction
  • EBT processing available, but not advertised
  • $9.95/month; interchange + 0.18% + $0.10/non-EBT transaction
  • EBT processing available, but not advertised

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  • $15/month (low-risk accounts); interchange + 0.30% + $0.10/non-EBT transaction (low-risk card-present)
  • EBT pricing information not disclosed
  • $15/month (low-risk accounts); interchange + 0.30% + $0.10/non-EBT transaction (low-risk card-present)
  • EBT pricing information not disclosed

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  • $19.95-49.95/month; 2.6% + $0.10/non-EBT transaction (card-present)
  • $0.00/EBT transaction
  • $19.95-49.95/month; 2.6% + $0.10/non-EBT transaction (card-present)
  • $0.00/EBT transaction

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Dharma Merchant Services

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  • $15/month; interchange + 0.15% + $0.08/non-EBT transaction
  • $0.10/EBT transaction
  • $15/month; interchange + 0.15% + $0.08/non-EBT transaction
  • $0.10/EBT transaction

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Host Merchant Services

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  • $14.99/month; interchange + 0.25% + $0.10/non-EBT transaction
  • $0.10/EBT transaction
  • $14.99/month; interchange + 0.25% + $0.10/non-EBT transaction
  • $0.10/EBT transaction

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Read more below to learn why we chose these options.

What Does EBT Processing Include?

The EBT system replaces the old food stamps program and provides a secure payment method for recipients of several government assistance programs, including those administered by the federal government and those run by individual states.

Here’s a very brief overview of the major assistance programs that use the EBT system:

  • SNAP: The Supplemental Nutrition Assistance Program (SNAP) provides nutrition benefits to supplement the food budget of needy families, so they can purchase healthy food and move toward self-sufficiency. SNAP is a federal program administered by the USDA’s Food and Nutrition Service (FNS).
  • WIC: The Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) safeguards the health of low-income women, infants, and children up to age five who are at nutrition risk by providing nutritious foods to supplement diets, information on healthy eating, and referrals to health care. WIC is a joint federal/state program, where the federal WIC program provides grants to state governments to disburse through their networks.
  • TANF: Temporary Assistance for Needy Families (TANF) is a federally-funded, state-run benefits program. Also known as welfare, TANF helps families achieve independence after experiencing temporary difficulties. At the federal level, the US Department of Health & Human Services administers the program. Each state government has its own program to disburse benefits. For example, in California, TANF benefits are distributed through the CalWORKS program.

5 Best EBT Processors

Accepting EBT for business shouldn’t involve settling for a substandard payment processor. The best providers for EBT processing are, unsurprisingly, also among the best all-around providers for retail businesses in general. Here are our five top picks for merchant services providers that support EBT payments.

1. National Processing

National Processing

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Get a free Clover Go card reader from National Processing when you sign up. Claim your card reader.


  • Month-to-month billing with no long-term contract available
  • Interchange-plus & membership pricing offered for non-EBT transactions
  • A good option for budget-conscious merchants


  • “Free” equipment may require a long-term contract
  • Early termination fee may apply if “free” equipment chosen

Why We Chose National Processing For EBT Processing

Merchants looking for an honest, affordable payment processor will be well-served by National Processing. The company offers extensive pricing disclosures on its website, allowing you to estimate in advance your average processing costs with reasonable accuracy. While you can get a “free” terminal as part of your account, we recommend buying it outright. Accepting free equipment will require you to agree to a standard three-year contract, although the company only enforces its early termination fee if you drop them to switch to a competing provider.

Information about EBT payments is available on National Processing’s company blog, but doesn’t include specific pricing details. You’ll want to confirm with your sales agent whether a per-transaction fee is required.

National Processing Features

One of our top choices for any small business, National Processing offers excellent pricing transparency and has a very positive online reputation. Primary features include the following:

  • Full-service merchant accounts
  • Authorize.Net payment gateway
  • ACH processing available
  • Full range of Clover terminals and point-of-sale (POS) systems

National Processing Pricing

  • $9.95/month for retail plan with interchange-plus pricing
  • Interchange + 0.18% + $0.10/non-EBT in-person transaction
  • Interchange + 0.29% + $0.15/non-EBT online transaction
  • $59/month for Subscription plan
  • Interchange + $0.09/non-EBT transaction (Subscription plan)
  • $199/month for Subscription Pus plan
  • Interchange + $0.05/non-EBT transaction (Subscription Plus plan)
  • Additional fees for EBT transactions (if any) not disclosed
  • $7.95/month PCI compliance fee
  • $15/month for ACH & eCheck processing

Get Started With National Processing

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2. PaymentCloud


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Exclusive Promo: PaymentCloud will give you $200 if they can't beat your current rate. Get Your Quote


  • Reputable high-risk specialist
  • Reasonable rates & fees
  • Free credit card terminal with account


  • No publicly disclosed pricing

Why We Chose PaymentCloud For EBT Processing

PaymentCloud is one of our top choices for high-risk processing but also offers affordable pricing and fair contract terms for low-risk businesses as well. While overall costs will inevitably be higher for high-risk businesses, they’re still quite reasonable. PaymentCloud is one of the few high-risk processors we’ve found that offers a “free” credit card terminal (actually a loaner) and doesn’t charge any application or setup fees to get your account underwritten and approved. It also offers excellent customer service after you’ve signed up, putting it ahead of most providers in the payments industry.

Note that beyond a blog post on the subject, PaymentCloud doesn’t discuss EBT processing on its website. You’ll have to confirm details with a sales agent before signing up.

PaymentCloud Features

High-risk businesses have a very hard time finding a reliable payment processor that will accept them. PaymentCloud is an excellent choice if you’re in a high-risk category, offering fair prices and reasonable contract terms. Primary features include the following:

  • Offers high-risk & low-risk merchant accounts
  • Authorize.Net or USAePay payment gateways
  • ACH & eCheck processing available
  • “Free” credit card terminal available with each account
  • MaXXPay & other POS systems available

PaymentCloud Pricing

  • $15/month account fee (low-risk)
  • Interchange + 0.05%-0.30% + $0.08-$0.10/non-EBT transaction (low-risk retail & restaurant)
  • Interchange + 0.10%-0.50% + $0.15-$0.25/non-EBT transaction (low-risk eCommerce & keyed-in)
  • High-risk pricing not disclosed
  • EBT pricing not disclosed
  • No application or setup fees
  • No annual fees
  • No PCI compliance fees
  • No monthly minimum (low-risk only)

Get Started With PaymentCloud

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3. Square/TotilPay


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Get a free card swiper from Square at no cost when you create a free account. Claim your card reader.


  • No long-term contracts or early termination fees
  • Predictable flat-rate pricing for non-EBT transactions (through Square)
  • No processing charges for EBT transactions
  • Works with your existing Square account


  • Account stability issues
  • Not available to high-risk merchants

Why We Chose Square/TotilPay For EBT Processing

TotilPay offers an affordable, simple solution that allows you to use your existing Square account to accept EBT payments. While TotilPay also integrates with FIS Worldpay merchant accounts, it won’t be nearly as affordable for small businesses as using Square. You’ll need two card readers to make the integration work, including your existing Square reader and either the TotilPay Go mobile card reader or the more advanced TotilPay Register POS system. These devices are offered on a monthly subscription basis, which also includes all the special features TotilPay offers to identify SNAP and WIC-eligible products for your customers.

While TotilPay might be a somewhat expensive way to add EBT processing to your payments arsenal, using it with a Square account will be more affordable for many small businesses than paying for a full-service merchant account. Note that discounts are available to certified farmers’ markets and businesses willing to pay their subscription fees annually instead of on a month-to-month basis.

Square/TotilPay Features

While Square has long been a favorite among small business owners, it’s only recently partnered with TotilPay to offer EBT payment processing. TotilPay allows you to accept EBT payments using your existing Square account, and comes with the following features:

  • TotilPay Go mPOS app & card reader
  • TotilPay Register POS system available
  • Month-to-month license with no early termination fees
  • Includes all Square account features
  • Online portal for real-time reporting & transaction data
  • Uses end-to-end encryption

Square/TotilPay Pricing

  • $19.95/month for TotilPay Go (farmers’ markets)
  • $29.95/month for TotilPay Go (other retailers)
  • $39.95/month for TotilPay Register (farmers’ markets)
  • $49.95/month for TotilPay Register (other retailers)
  • $0.00/EBT transaction
  • 2.6% + $0.10/non-EBT transaction (card-present)
  • 2.9% + $0.30/non-EBT transaction (eCommerce)
  • 3.5% + $0.15/non-EBT transaction (keyed-in & card on file)
  • Discounts available for paying annually

Get Started With Square

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4. Dharma Merchant Services

Dharma Merchant Services

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  • Outstanding sales transparency and highly ethical business practices
  • Month-to-month billing with no early termination fees
  • No annual fee or monthly minimum
  • Excellent customer service and support


  • Not recommended for businesses processing less than $10,000 per month
  • Not available to high-risk merchants

Why We Chose Dharma Merchant Services For EBT Processing

It’s extremely rare to find a public benefit corporation (B-corp) in the payments industry, but Dharma Merchant Services is just that. As such, the company’s advertising and sales practices are among the most transparent and honest we’ve ever seen, and merchants have nothing but good things to say about it.

Dharma offers all its merchants a month-to-month billing agreement, with no long-term commitment.

Processing rate plans are all interchange-plus, so you’ll save money on your non-EBT transactions. Dharma isn’t the least expensive option out there, but if you process more than $10,000 per month (including both EBT and non-EBT transactions), it will be one of the most cost-effective options you can find. The company also freely admits that its pricing structure isn’t a good fit for smaller businesses.

If you process less than $10,000 per month, Dharma recommends Square as a lower-cost alternative. Also, you should be aware that the company does not accept high-risk merchants.

Dharma Merchant Services Features

Dharma Merchant Services offers a full range of services for any low-risk business, including both retail and eCommerce merchants. Key highlights include the following:

  • Merchant accounts (underwritten by Fiserv or TSYS)
  • MX Merchant integrated payments platform
  • Variety of credit card terminals available, including Clover Flex and Clover Go
  • Clover Station Duo POS system available
  • Authorize.Net payment gateway available

Dharma Merchant Services Pricing

  • $15/month account fee ($12/month for nonprofits & merchants processing over $100,000/month)
  • $0.10/EBT transaction
  • Interchange + 0.15% + $0.08/non-EBT transaction (retail merchants & restaurants)
  • Interchange + 0.20% + $0.11/non-EBT transaction (eCommerce merchants)
  • Interchange + 0.10% + $0.08/non-EBT transaction (high-volume retail merchants)
  • No monthly minimum
  • No annual fee
  • Discounted processing rates for nonprofits

Get Started With Dharma Merchant Services

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5. Host Merchant Services

Host Merchant Services

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  • No setup or application fees
  • Month-to-month billing with no long-term contracts
  • No monthly minimums
  • Interchange-plus pricing for non-EBT transactions


  • Can be expensive for low-volume merchants

Why We Chose Host Merchant Services For EBT Processing

Host Merchant Services offers one of the easiest ways to get set up with EBT processing that we’ve seen. Simply provide your FNS number, and the company will add EBT processing to your account.

There’s no additional monthly fee to add EBT processing, and merchants who process over $20,000 per month (including both EBT and non-EBT sales) will qualify for a free EMV-compliant terminal. There are no application or account setup fees to get started and no long-term contracts. Billing is on a month-to-month basis, and there’s no early termination fee if you decide to close your account.

Processing rates for non-EBT transactions are all interchange-plus, with fully disclosed rates available on the company’s website.

At the same time, Host’s interchange-plus rates for non-EBT transactions are not the lowest we’ve seen. The company discloses a standard rate of interchange + 0.25% + $0.10 per transaction for non-EBT retail transactions, but you’ll need to process at least $10,000 per month to get this rate. Rates for lower-volume businesses aren’t disclosed but typically run around interchange + 0.50% + $0.10 per transaction. For some low-volume businesses, this will be more expensive than simply signing up with Square.

Host Merchant Services Features

Host Merchant Services offers a very easy way to get set up to accept EBT payments, but also includes features such as month-to-month billing and interchange-plus pricing that make it an excellent choice for your non-EBT transactions as well.

Key features include the following:

  • Merchant accounts for low-risk and high-risk businesses
  • No long-term contracts or early termination fees
  • Free credit card terminal for businesses processing over $20,000/month
  • Transaction Express payment gateway & virtual terminal
  • Web hosting included with each account

Host Merchant Services Pricing

  • $14.99/month account fee
  • $0.10/EBT transaction
  • Interchange + 0.25% + $0.10/non-EBT transaction (retail)
  • Interchange + 0.20% + $0.09/non-EBT transaction (restaurant)
  • Interchange + 0.35% + $0.10/non-EBT transaction (eCommerce)
  • $24/year IRS 1099K reporting fee
  • No PCI compliance fees
  • No early termination fees

Get Started With Host Merchant Services

Read our in-depth review

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How Much Does EBT Processing Cost?

Because the EBT program is sponsored by the US government and not a private bank or credit card association, EBT processing fees are much lower than those for traditional debit or credit card transactions. In fact, there are no interchange fees or PIN debit fees for EBT transactions.

However, your merchant account provider has the right to charge you a reasonable amount for processing these transactions. While some providers allow you to process EBT transactions for free, most will charge a small per-transaction fee. (Dharma Merchant Services, for example, charges a flat $0.10 for each EBT transaction.)

Unfortunately, most providers on the market do not disclose their pricing for EBT transactions on their websites — requiring you to search your contract documents or discuss it with your sales representative to get a straight answer. Be especially vigilant if your merchant account uses flat-rate or tiered pricing, as you might be paying the same rates for EBT transactions as you do for regular credit or debit card purchases. This would result in a huge windfall for your provider, as there’s no interchange fee that needs to be passed on with EBT transactions.

You should also be aware that PCI-DSS compliance requirements do not apply to EBT transactions.

This won’t make a difference for most merchants who accept both EBT and traditional debit/credit card transactions. However, if you have a merchant account that is set up only to accept EBT payments, you should not be charged any PCI compliance fees.

Not all providers offer support for EBT payments, so this is something you’ll want to clarify before signing up for a new merchant account or switching providers. For example, Square has only recently added support for EBT payments through the third-party TotilPay app.

The SNAP EBT Third Party Processor (TPP) List and Guidance to Retailers provides a list of FNS-approved providers that support EBT payments. Now over five years old, it’s quite dated and appears to be under revision. Nonetheless, it has some useful tips for selecting a merchant account provider that supports EBT payments. In examining the list of vendors provided by the FNS, we note that most of the processors included on the list that we’ve reviewed have received mediocre to below-average overall ratings.

Because of this, we highly recommend that you disregard the processors listed with FNS and select one that we’ve reviewed favorably.

How Do Stores Get Reimbursed For EBT Payments?

If a customer pays for a purchase with an EBT card, it’s processed much like a debit card.

The primary difference, however, is that the funds don’t come out of the customer’s bank account. Instead, transactions are funded from benefits provided through SNAP, TANF, or other public assistance programs. These funds are ultimately disbursed by the USDA (or other sponsoring government agency). The EBT program, including EBT cards and the software to read them that’s installed on your terminal, is designed to ensure that beneficiaries can only use an EBT card for authorized purchases. Funds from EBT transactions usually reach your bank account within two business days.

How Do I Accept EBT At My Store?

Like any government-sponsored program, there’s a fair amount of paperwork required before you can accept EBT payments. However, the EBT application process is pretty straightforward and usually can be completed online.

The US Department of Agriculture’s Food and Nutrition Service (FNS) administers the SNAP program. The first thing you need to do is obtain a permit (usually called either a SNAP permit or an FNS permit) from FNS. These permits are available to any qualified business that meets the appropriate statutory criteria and submits an application (with supporting documentation).

To be qualified for a SNAP permit, your business must meet at least one of the following criteria:

  • Your business sells staple foods in the following four categories: (1) dairy, (2) breads, grains, and cereals, (3) fruits and vegetables, and (4) meat, fish, and poultry. At least two of these categories must include perishable foods; or
  • One or more staple foods account for over 50% of your gross retail sales.

Are you qualified? Good! Simply point your browser to the FNS website, and you can get started. Before you can apply for a SNAP permit, you’ll need to establish an eAuthentication Account with the FNS to verify your identity. This step can be completed online in just a few minutes.

Once you have an eAuthentication Account, you’ll need to fill out and submit both an application and supporting documentation. After your eAuthentication Account is approved, you’ll have 30 days to complete and submit the application and all supporting documents.

The application itself can be completed online in as little as 15 minutes, but it asks for a lot of information about your business that might require you to do a deep dive into your records for specific answers. Supporting documentation is also required, including the following items:

  • A copy of your current business license
  • Copies of your driver’s license, passport, or other photo identification
  • Copies of your Social Security cards (this includes all owners, partners, officers, shareholders, and their spouses)
  • Your bank’s name and address
  • Your merchant account provider’s information (including name, phone number, address, and website)

This information can be uploaded online or printed out and mailed to the FNS. In either case, the approval process can take as long as 45 days to complete. During this time, you won’t be able to accept SNAP payments.

When you’ve completed the registration process and been approved for a SNAP permit, you’ll be issued a seven-digit FNS Account Number that identifies you as an FNS-approved business. While that’s pretty much it for the paperwork requirements, you’ll still need to reconfigure your processing equipment to accept SNAP payments.

See below for details.

Here are some additional considerations regarding SNAP permits:

  • In addition to traditional grocery stores, SNAP permits are also issued to qualified farm stands and farmers’ markets.
  • If you’re a Multiple Store Owner (MSO), you cannot use the online application process. Instead, an FNS representative will work with you directly to get your permit approved. The FNS defines a Multiple Store Owner as a business entity that owns 10 or more eligible retail food stores.
  • Only approved food items may be purchased with SNAP funds. Hot food, restaurant food, alcoholic beverages, pet food, and other non-food items are not allowed. (Note that some of these items may be purchased with TANF funds.)

Numerous special rules apply to SNAP payments that you’ll want to be familiar with. Here are the most important considerations:

  • Payments must be for SNAP-approved food items only
  • No cash back may be issued
  • No cash refunds may be issued
  • The customer must present their EBT card and enter their PIN at the time of payment

While EBT programs have traditionally been limited to in-person sales, the SNAP Online Purchasing Pilot Program has been operating for several years to allow online grocery purchasing and delivery using EBT benefits. The program is currently available in 49 states and the District of Columbia. Note that EBT benefits can only be used for purchasing approved items, and cannot be used to cover delivery fees, tips, etc.

What You Need To Know About EBT Card Readers

In addition to registering with the FNS and obtaining a SNAP permit, you’ll need to acquire and set up the appropriate processing hardware. While most popular terminals are compatible with EBT payments, you need to be aware of several specific requirements. First of all, your terminal needs to be able to accept PIN debit transactions. That means you’ll need a dedicated PIN pad for your customers to input their PINs. While stand-alone PIN pads are available, today they’re usually integrated directly into your terminal.

Once you’ve obtained a suitable terminal and PIN pad, it must be programmed with your merchant account provider’s encryption keys. If you purchase your equipment directly from your merchant account provider, this should already have been done, and your terminal should work right out of the box. However, if you’re switching providers or adding EBT capability to pre-existing equipment, you’ll need to have your terminal(s) re-programmed before you can start accepting payments. Depending on your provider, re-programming usually requires a one-week turnaround time.

Note that your merchant account provider will need your seven-digit FNS Account Number to set up your merchant account for EBT payment acceptance. EBT cards issued by the FNS are currently magstripe-only, so you won’t need an EMV-compatible terminal. The FNS announced in 2014 that it intended to introduce EBT cards with EMV chips; however, as of this writing, such cards do not appear to be available.

Most grocery stores and restaurants participating in the SNAP program must buy their own processing equipment or obtain it from their merchant account provider. However, some entities are eligible for free processing equipment provided through the FNS. These entities include:

  • Eligible farmers’ markets
  • Direct-marketing farmers
  • Military commissaries
  • Nonprofit food-buying cooperatives
  • Group living arrangements
  • Treatment centers
  • Prepared meal services (other than for-profit restaurants participating in state-option restaurant programs)

If you think your business qualifies for free equipment, be sure to contact the FNS directly for more details. To find out more about offering this option to your customers, see our post covering the best grocery store POS systems that offer EBT & WIC.

Which EBT Processing Company Is Right For Your Business?

If you’re in a business that can accept EBT payments under either the SNAP or TANF programs, there’s really no reason not to sign up for an account. Processing costs are minimal, and most businesses can use the equipment they already have to accept EBT payments. Registering as a SNAP merchant does require some paperwork and the willingness to wait a few weeks for approval, but once you’re registered, you should see increased sales from customers who otherwise might not have a viable payment option other than cash. It’s a win-win situation for both you as a merchant and your local community.

If you don’t already have a merchant account, or your provider doesn’t support EBT payments, you might want to consider an EBT-only option. Most merchant services providers that support EBT payments can set you up with a bare-bones merchant account designed to only accept EBT payments.

This option can save you a considerable amount of money in processing costs and account fees, as you won’t have to pay interchange fees, PIN debit fees, or PCI compliance fees. Some providers will even offer you a “free” terminal to use for as long as you keep your account open.

As we’ve noted above, there aren’t all that many providers that advertise the availability of EBT support or disclose their prices (if any) for EBT transactions. However, the providers we’ve listed above are good all-around choices for both EBT payments and traditional credit/debit cards. For more information about credit, debit, and EBT processing in general, please consult our complete guide to merchant account and credit card processing fees.

You can also check out our guides to the best small business credit card processors and the best credit card machines and terminals for your small business.

FAQs: EBT Processing Companies

Does Stripe accept EBT?

No. With a focus on eCommerce enterprises, Stripe does not support accepting EBT payments at this time. With the company expanding into the retail sector, however, this may become available in the future.

Does Square support SNAP?

Yes. Square supports EBT payments, including those funded under the SNAP program, through a third-party integration with TotilPay. Unfortunately, TotilPay requires an additional fee that can range from $19.95/month to $49.95/month, depending on which options you choose.

Does Shopify accept EBT?

Shopify’s in-house payments processing service doesn’t support EBT payments, so you’ll have to sign up with a separate merchant services provider. You’ll also most likely need to work with a third-party integration partner to smoothly connect your processor to your Shopify-powered website.

Can EBT be used online?

Yes. The SNAP Online Purchasing Pilot Program (available in 49 states and the District of Columbia as of this writing) allows customers to purchase approved items online. This program is primarily intended to support using EBT benefits to order groceries online using a delivery service, and not for general merchandise.

In Summary: 5 Best EBT Processors

  1. National Processing:
    • $9.95/month; interchange + 0.18% + $0.10/non-EBT transaction
    • EBT processing available, but not advertised
  2. PaymentCloud:
    • $15/month (low-risk accounts); interchange + 0.30% + $0.10/non-EBT transaction (low-risk card-present)
    • EBT pricing information not disclosed
  3. Square:
    • $19.95-49.95/month; 2.6% + $0.10/non-EBT transaction (card-present)
    • $0.00/EBT transaction
  4. Dharma Merchant Services:
    • $15/month; interchange + 0.15% + $0.08/non-EBT transaction
    • $0.10/EBT transaction
  5. Host Merchant Services:
    • $14.99/month; interchange + 0.25% + $0.10/non-EBT transaction
    • $0.10/EBT transaction
Frank Kehl

Frank Kehl

Senior Staff Writer at Merchant Maverick
Frank has been writing about payment processing and business services since 2015. He is a retired Air Force officer and a former practicing attorney. He has a Bachelor of Science degree in Psychology from The Pennsylvania State University and a Juris Doctorate degree from the Ventura College of Law, and currently resides in Paso Robles, California.
Frank Kehl
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