Traditional credit card processors often hide balloon rates, arbitrary surcharges, and costly downgrades inside complex "tiered" pricing structures. Purpose Pay does things differently. We provide direct access to Interchange Plus pricing—the gold standard in financial transparency.
Under this model, you pay the exact, raw wholesale cost of the transaction set directly by the card networks (Visa, Mastercard, Discover, and American Express), plus a tiny, fixed, and highly competitive margin.
For B2B and enterprise accounts, our secure NMI Payment Gateway automatically handles data enrichment. By injecting detailed corporate card data during transaction routing, we qualify your transactions for lower wholesale interchange categories, immediately saving your business an average of 15% to 20% on processing fees.
You receive a single, transparent, and easy-to-understand monthly statement. No surprises, no confusing fine print.
$100 Price Beat Guarantee
if Nino and Victoria's underwriting team cannot match or beat their current effective processing rates, Purpose Pay will write the merchant a check for $100.
In business, cash flow is absolute king. Waiting 48 to 72 business hours for credit card payments to settle can disrupt payroll, stall vendor shipments, and stress operational cash reserves.
Purpose Pay eliminates this bottleneck. By partnering with the robust settlement networks of Maverick Payments, we provide rapid, high-speed funding schedules designed for fast-moving businesses.
Transactions are bundled, processed, and cleared securely. Qualifying merchant accounts receive their deposits on the same day, ensuring that today's sales are in your bank account today—even on weekends or holidays for qualified accounts.
Advanced, real-time risk scoring and telemetry powered by Maverick Payments ensure that your transactions clear quickly and safely, minimizing settlement holds and chargeback vulnerabilities before they happen.
Why pay thousands of dollars every month to accept payments? Our proprietary DuoPricing™ cash discount program allows small business owners to completely eliminate credit card processing fees from their operating expenses, driving their effective transaction overhead down to absolute zero.
The point-of-sale software displays two clear, transparent prices to your customers: a standard card price and an immediate, clear cash-discounted price.
Customers who choose to pay with a card cover the minor processing overhead associated with their payment choice. Customers who pay with cash enjoy immediate, clear savings.
Fully compliant with all major card brand rules and state regulations. The automated software on your point-of-sale equipment (such as Clover® or Exatouch® terminals) handles all the math dynamically at checkout, making the entire process completely seamless for your staff and customers.
By slashing your credit card processing costs to zero, you unlock massive amounts of newly freed cash flow (like salon owners saving thousands of dollars a month). Even better, we still commit a portion of our company's wholesale margin to fund the New Now Foundation or your nominated 501(c)(3) nonprofit—enabling you to make a huge community impact at zero net cost to your bottom line.
At Purpose Pay, we couple transparent pricing structures with the industry's absolute highest standards of transactional cybersecurity. Your payments do not run on amateur software; they are backed by the most reliable financial rails in existence.
Every digital dollar processed is fully fortified. Our NMI gateway integration ensures comprehensive PCI DSS Level 1 compliance—the payment industry's maximum security standard. Utilizing robust point-of-capture transaction encryption and advanced card tokenization, your customers' sensitive data is instantly replaced with format-preserving tokens. This allows you to safely process recurring billing, subscription payments, and card-on-file transactions without ever storing vulnerable card details on site.
Manage your entire commercial footprint with absolute clarity. Our integration with Maverick Payments enables express, completely digital onboarding with secure eSign agreements. Once approved, you gain access to your personalized, fully secure Merchant Dashboard. This unified portal lets you run financial statements, track daily sales metrics, oversee fast funding schedules, and monitor real-time monthly donation metrics connected directly to your nominated charities.
