Save Up to 30–60% on Payment Processing
PaySec's Network Offset Pricing gives you wholesale interchange rates and dedicated merchant accounts — with no contracts. Savings compared to published flat-rate processor pricing;[1] actual results vary.
Industries Served
Average Savings*
Typical Approval Time*
Uptime SLA*
*Average Savings: Based on comparison of Network Offset Pricing vs. published flat-rate processor pricing. Actual savings vary by merchant volume, card mix, and transaction size.
*Typical Approval Time: Typical for standard-risk merchants. High-risk verticals may require 3–5 business days.
*Uptime SLA: Based on platform monitoring data. Refers to enterprise SLA target; see merchant agreement for details.
Integrates with the tools you already use
Summer Savings Sprint: $0 Setup + First Month Free
Switch to PaySec before July 31st and pay zero setup fees, zero gateway fees, and get your first month of processing at cost (interchange only — no markup). Average merchant saves $1,200 in their first 60 days.
How It Works
Switching to PaySec takes three simple steps. No disruption to your business, no technical headaches.
Send Us Your Statement
Share your most recent processing statement. Our team analyzes every line item — interchange fees, assessment fees, markups, and hidden charges — to identify exactly where you're overpaying.
Get a Custom Rate Analysis
Within 24 hours, you'll receive a side-by-side comparison showing your current effective rate versus what you'd pay with Network Offset Pricing. No obligation, no pressure.
Switch and Start Saving
If the numbers make sense, we handle the migration. Most merchants are approved within 48 hours and see savings on their very first statement. Cancel anytime — no contracts.
Quick Savings Estimate
$50K/mo
Estimated Annual Savings
$17,067
with Network Offset Pricing
Estimates based on Network Offset Pricing vs. published flat-rate pricing. Actual savings vary by card mix and transaction type.
Everything You Need to Process Payments
From transparent pricing to dedicated support, PaySec provides the tools and expertise to grow your business.
Network Offset Pricing
Our transparent pricing model passes network costs at wholesale, typically saving merchants 30–60% versus published flat-rate processor pricing.[1] Actual savings vary by volume and card mix.
Dedicated Merchant Accounts
No aggregator risk. Your own merchant account with full PCI DSS compliance and SOC 2 certification.
Fast Approvals
Fast-track underwriting gets most standard-risk merchants processing payments in as little as 48 hours. High-risk verticals typically require 3–5 business days.
Enhanced Data Optimization
Automated commercial enhanced data (CEDP) submission can reduce B2B interchange fees by up to 40%, based on Visa's published Level II/III rate differentials.[2] Actual reduction depends on transaction qualification.
Industry-Specific Support
Dedicated account managers who understand your vertical — from healthcare HIPAA requirements to restaurant tip handling.
No Contracts
Month-to-month service with no early termination fees. Stay because we earn it, not because you're locked in.
Stop Overpaying for Payment Processing
You're losing money every month on inflated processing fees. Switch to PaySec's Network Offset Pricing and keep more of what you earn.
Why Merchants Switch to PaySec
Flat-rate processors like Stripe and Square charge the same percentage whether you run a $5 debit card or a $500 corporate rewards card. That's a hidden tax on your business.
Interchange Transparency
With Network Offset Pricing, you see the actual interchange cost set by Visa and Mastercard on every transaction. A debit card might cost 0.05% + $0.21, while a premium rewards card costs 2.40% + $0.10. Flat-rate processors charge you 2.9% for both — pocketing the difference on cheap cards.
No Aggregator Risk
Stripe, Square, and PayPal are payment aggregators — your transactions flow through their shared merchant account. That means your funds can be held, frozen, or your account terminated with little recourse. PaySec gives you a dedicated merchant account (MID), so your money is always yours.
B2B Cost Reduction with CEDP
If you accept corporate or purchasing cards, PaySec's automated Level II/III data submission can reduce qualifying B2B interchange fees by up to 40%, based on Visa's published rate differentials.[2] Most flat-rate processors don't optimize for this at all.
Our Rate-Beat Guarantee
We're so confident in our pricing that we put our money where our mouth is.
Send Us Your Statement
Share your most recent processing statement. We'll analyze every line item.
We'll Beat Your Rate
If we can't save you at least 20% on your effective processing rate, we'll tell you upfront — no pressure.
No Contracts, Cancel Anytime
Month-to-month service. If we don't deliver the savings, you walk — zero termination fees.
Built for Every Industry
Specialized payment solutions for your vertical, backed by teams who understand your business. From HIPAA-compliant healthcare processing to high-risk underwriting, we've built solutions for the industries other processors won't touch.
See How Merchants Like You Save
Not ready to switch yet? See real savings examples from businesses in your industry — no commitment required.
Trusted by Merchants Nationwide
Hear from business owners who switched to PaySec and never looked back.
“Switching to PaySec cut our processing costs by 42%. The Network Offset Pricing model was a game-changer for our margins.”
Nick D.
SaaS Marketplace Owner
Individual results may vary. Savings depend on merchant volume, card mix, and transaction size.
“We process thousands of transactions daily. PaySec's terminal integration was seamless, and support actually understands the restaurant business.”
Sarah M.
Restaurant Chain Operator
Individual results may vary. Savings depend on merchant volume, card mix, and transaction size.
“After being dropped by our previous processor for being 'high-risk,' PaySec approved us in 48 hours. Haven't looked back.”
James K.
eCommerce Store Owner
Individual results may vary. Savings depend on merchant volume, card mix, and transaction size.
“HIPAA compliance was our biggest concern. PaySec's dedicated merchant account gives us the security we need with fees 35% lower than our old processor.”
Lisa R.
Healthcare Practice Manager
Individual results may vary. Savings depend on merchant volume, card mix, and transaction size.
“Finding a reliable processor for CBD was a nightmare. PaySec understood our industry from day one — fast approval, stable account, transparent fees.”
Marcus T.
CBD Retail Owner
Individual results may vary. Savings depend on merchant volume, card mix, and transaction size.
“The enhanced data interchange optimization alone saves us over $2,000 a month on B2B transactions.”
Rachel W.
Auto Dealership Finance Director
Individual results may vary. Savings depend on merchant volume, card mix, and transaction size.
Enterprise-Grade Security
Your transactions are protected by the same security standards used by the world's largest financial institutions.
PCI DSS Level 1
The highest level of payment card industry data security standard certification, validated annually by a Qualified Security Assessor.
SOC 2 Type II
Independent audit verifying our security, availability, and confidentiality controls meet AICPA Trust Services Criteria.
End-to-End Encryption
Point-to-point encryption (P2PE) protects cardholder data from the terminal to the processor. Data is never exposed in plain text.
Chargeback Protection
Ethoca and Verifi chargeback alert networks notify you of disputes before they become chargebacks, reducing loss ratios.
Frequently Asked Questions
Ready to See What You Could Save?
Join merchants who switched to PaySec for lower fees, faster approvals, and dedicated support. No contracts, cancel anytime.