Pricing
Two ways to work with us, both published. Pick the shape that fits your fleet.
Traditional
$0.04/txn
Terminals: Any
Sponsorship fee: $0.08/txn
Pay only for what you run.
Grove
$1,000/mo
Best value
Terminals: Up to 50
Sponsorship fee: $0.05/txn
Where the sponsorship fee drops.
Go past your terminal count and you move to the next plan automatically. No overage charges, no renegotiation.
Sprout
$250/mo
Terminals: Up to 10
Sponsorship fee: $0.08/txn
For a route you’re still building.
Canopy
$2,000/mo
Terminals: Up to 100
Sponsorship fee: $0.05/txn
For operators across multiple markets.
Sapling
$500/mo
Terminals: Up to 25
Sponsorship fee: $0.08/txn
For a fleet that’s adding machines.
Included with every plan
Every tier, no add-ons, no exceptions.
Processing under our ISO
Sponsorship through our sponsor bank and registration across Visa, Mastercard, STAR, Pulse, NYCE, Accel, AFFN, Culiance, and Shazam. You operate under our registrations and bank sponsorships rather than obtaining your own.
Compliance handled
We prepare the documents, file them, and chase the signatures. Renewals and deadlines are tracked so nothing lapses between reviews.
Free NFC upgrade kits
A kit of your choice once you've boarded five machines, then another for every eight after that. Kits run $300 to $400 if you buy them outright.
Free ATM technical support
Our diagnostic tool is open to any operator, customer or not. Email reaches a person rather than a queue, and technical escalation runs around the clock through our processing partner.
Settlement reporting
A full set of reports covering what you earned, what settled and when, and how each terminal is performing. Enough to understand the fleet, not just what arrived in the account.
Ten fees you won't see
All common in ATM processing. None of them on your statement.
Statement fees · PCI compliance fees · Setup and boarding fees · Monthly minimums · Batch and settlement fees · Annual fees · Fees to add a terminal · Help desk or support fees · Reporting or portal access fees · Terminal reprogramming fees
If it isn't on this page, we don't charge it.
"You get all the interchange"
Almost every ISO says it. Fewer mean it. Here's how to find out which one you're with.
Ask three ISOs what processing costs and you'll get three phone calls and no numbers. But ask about interchange and you'll get the same answer from all of them. It's yours.
Interchange is the fee the cardholder's bank pays to route each transaction. It flows down through the networks, through the processor, through your ISO, toward you.
The question is how much of it arrives. Several cents per transaction can be held back along the way, and nothing on your statement will tell you. It doesn't show up as a fee. It shows up as a smaller number than it should be — and only if you knew what to expect in the first place.
That's what makes it work. You can argue with a fee. You can't argue with a number you never see. We ran machines for years before we worked out what we weren't getting. That isn't a knock on anyone who hasn't. It's the point.
So here's the test. Take what you received in interchange last month and divide it by your transaction count. Then ask your ISO what the networks actually paid on those transactions. If you can't get the second number, you already have your answer.
We'd rather just print ours. Full interchange to you, a published sponsorship fee, at any fleet size — the terms above, the same for everyone.
You keep 100% of interchange.
Not most of it. Not after adjustments. All of it — whatever the networks pay on your transactions arrives in your settlement.
Our sponsorship fee is charged separately. It isn't deducted from interchange and it isn't a share of it. It's a published per-transaction figure — $0.08, or $0.05 from Grove up — and it's on this page.
We keep the two apart deliberately. Tie a fee to interchange and it moves every time the networks change their rates or your card mix shifts. A published fee doesn't.
What it covers: sponsorship through our sponsor bank, registration across Visa, Mastercard, STAR, Pulse, NYCE, Accel, AFFN, Culiance and Shazam, the compliance work, the insurance requirements, and the audits that come with holding them.
Being an ISO means paying for all of that yourself. This is the version where you don't.
Why a flat rate
Per-transaction pricing has a quiet property. It never gets better. Run twice the volume, pay twice as much.
Every industry built on metered pricing eventually left it. Wireless carriers sold minutes and megabytes until they sold unlimited. Gyms sold day passes until they sold memberships. Blockbuster charged per rental until Netflix charged per month, and Blockbuster is gone.
None of those changes were really about price. They were about removing the meter.
A meter changes behaviour. When every unit costs something you count units, and you hesitate before the marginal one.
For an ATM operator the meter isn't running on transactions. It's running on decisions. Is this location worth a machine? Is it worth pushing volume at that site? Is that terminal worth upgrading? Every one of those questions has a per-transaction cost stapled to it.
On a subscription, adding a machine inside your tier costs nothing more. The question stops being whether a location is worth the transaction fees and becomes whether it's worth having.
That's the argument. Not that it's cheaper — that it changes what you're willing to do.
Run your own numbers
Your figures, not ours. Nothing is sent anywhere.
Questions about pricing
What's a drive rate?
The per-transaction fee an ISO charges to route each transaction. Ours is $0.04 on the traditional model. Subscription plans replace it with a flat monthly fee, so there's no drive rate at all.
What's interchange, and who gets it?
It's the fee the cardholder's bank pays to route the transaction. It flows down through the networks toward the operator. With us, all of it reaches you.
What does the sponsorship fee pay for?
Sponsorship through our sponsor bank, our registrations with Visa, Mastercard and the major EFT networks, the compliance work, the insurance requirements, and the audits that come with holding them. It's charged separately from interchange, not taken out of it.
What happens if I go over my terminal count?
You move to the next plan automatically. There are no overage charges and nothing to renegotiate.
Can I move between plans?
Tier changes happen automatically as your fleet size changes — up if you add machines, down if you reduce. There's nothing to request and nothing to renegotiate.
Is there a minimum fleet size?
No. The same terms apply whether you run two machines or two hundred.
Are these rates the same for everyone?
Yes. What's on this page is what you pay at that tier. Redwood is the only exception — above 100 terminals the terms are custom, which is why it says contact us rather than a number.