Network Offset Pricing: See Every Penny You Pay and Why
Visa charges 1.51% + 10¢ for that transaction. Other processors pass it to you plus their markup. With Network Offset Pricing, you pay $0. No interchange. No markups. No offsets. Just $0 on every transaction.
How Network Offset Pricing Works
Four simple steps from card swipe to transparent settlement.
Card Networks Set Interchange
Visa, Mastercard, Discover, and American Express publish interchange rates — the wholesale cost of processing each transaction. These rates vary by card type, transaction method, and merchant category.
PaySec Absorbs All Costs
Instead of passing interchange and network fees through to you, PaySec absorbs them entirely. Other processors bundle or pass through these costs — PaySec eliminates them. You pay $0.
PaySec Covers the Cost
Network Offset Pricing eliminates processing fees entirely. PaySec absorbs all interchange and network costs — you pay $0 per transaction. No markup, no offset, no fees of any kind.
You Keep Everything
Flat-rate processors take 2.6-2.9% of every sale. With Network Offset Pricing, you keep 100% of the transaction amount. The savings are immediate and permanent.
Merchants
Processed Annually
Avg. Savings
Hidden Fees
Based on PaySec merchant data, Q1 2026. Individual results may vary.
“We switched from a tiered pricing processor and could not believe the difference. Our statement shows $0 in processing fees on every transaction. No more hidden fees, no more guessing. We are saving $3,500 a month — because we pay nothing.”
Christine Hayes
CFO, Atlantic Coast Auto Group
$3,500/mo saved
Individual results may vary. Savings depend on merchant volume, card mix, and transaction size.
Pricing Models Compared
Not all transparent pricing is created equal. Here is how the four major pricing models stack up.
Flat-Rate Pricing
Overpay on averageProcessors like Square and Stripe charge a fixed percentage (2.6-2.9% + $0.30) regardless of actual interchange. Simple, but expensive — you overpay on most transactions because the actual cost is lower.
Tiered Pricing
No transparencyTraditional processors sort transactions into qualified, mid-qualified, and non-qualified tiers with different rates. The processor decides which tier each transaction falls into — a built-in incentive to downgrade.
Interchange-Plus
Better, not bestBetter than flat-rate or tiered because interchange is passed through. But the "plus" component is typically a percentage markup that grows with your volume. High-ticket merchants still overpay.
Network Offset Pricing
Maximum savingsPaySec eliminates processing fees entirely. Merchants pay $0 per transaction — no interchange passthrough, no percentage markup, no fixed offset. Your cost is always $0 regardless of volume or ticket size.
The Math Is Simple
On a $100 transaction, flat-rate processors charge $2.90 + $0.30 = $3.20. With Network Offset Pricing, you pay $0. That is $3.20 saved per transaction. Over 1,000 transactions per month, that is $3,200 back in your pocket — every single month.
Network Offset vs. Other Pricing Models
| Feature | Network Offset | Interchange-Plus | Flat-Rate | Tiered |
|---|---|---|---|---|
| $0 processing fees | ||||
| No interchange charges | ||||
| No markups of any kind | ||||
| Debit and credit both $0 | ||||
| Full per-transaction breakdown | ||||
| No bundled or tiered rates | ||||
| No monthly minimum fees | Varies | Varies | ||
| No long-term contracts | Varies |
Network Offset Pricing FAQ
Related Resources
See What You Could Save
Upload your latest processing statement for a free, line-by-line comparison. We will show you exactly what you pay now versus what you would pay with Network Offset Pricing. Start saving this week — setup takes less than a day.