SNBankcard
Free fee review
Merchant services for small business

Your card processing bill is probably higher than it should be.

Most statements bury extra markups and fees that are hard to spot. Send us yours and we'll show you, line by line, what you're paying and how much you can keep. Then get lower fees and your money the same day.

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We'll beat your current rate. Free, confidential, no obligation.
Monthly processing fees Square standard rate With SNBankcard
$1,205 / mo · 2.6% + 15¢ $49.99 / mo · dual pricing
Your money arrives in 2–3 business days same day
Hidden markups and fees every month You keep up to $1,155 more every month
Example merchant, $42,800/mo in card sales.
Auto shop owner reading a confusing processing statement late at night
Monthly processing statement Example
Card network cost (interchange)$1,040.00
Non-qualified surcharge$186.40
Processor markup$132.00
PCI non-compliance fee$49.95
Statement, batch and account fees$64.95
Chargeback fee$25.00
Total fees$1,498.30
Marked lines are markup and avoidable fees $433 / month
The problem

Part of every fee is fixed. The rest is up to your processor.

Visa, Mastercard and the card-issuing banks set the base cost, called interchange. It's the same for every processor. Everything on top of it is the processor's markup, and that's where small businesses lose money.

Interchange · $1,040
Markup · $318
Fees · $140
Same at every processorWhere we save you money

Confusing tiered pricing

Many cards get labeled "non-qualified" and charged a higher rate, so the low rate you were quoted rarely applies.

Fees you never agreed to

PCI, statement, batch and "account" fees add up every month, often without anyone explaining them.

Rates that creep up

Small increases show up as a notice on page four of a statement, and most owners never see them.

The fix

You pay the real cost plus one clear fee. That's it.

We pass interchange through at cost, remove the junk fees, and show everything on a statement you can actually read. Less money lost, and one less thing to worry about.

Here's the same example business:

Smiling cafe owner taking a card payment at her counter
Square standard rate · 2.6% + 15¢ $1,205 / month 2.81% effective on $42,800 in card sales
Option 1 · Standard pricing $809 / month 1.89% · saves $4,752 a year
Option 2 · Dual pricing $49.99 / month Card customers cover the fee · saves up to $13,800 a year

Example: $42,800/mo in card sales, 612 sales, mostly debit cards. Square rate as published, July 2026. Your review uses your own statement.

Drag to compare: Square vs. SNBankcard

Square ← drag → SNBankcard
Monthly statement · exampleWith SNBankcard
Card network cost, passed through at cost$700.00
SNBankcard processing fee$109.00
Monthly and statement fees$0.00
Card mixMostly debit
Total fees$809 · 1.89%
Monthly statement · exampleSquare standard rate
Square card processing · 2.6% × $42,800$1,112.80
Per-sale fee · 15¢ × 612 sales$91.80
Flat rate, no matter the card type—
Monthly and statement fees$0.00
Card mixMostly debit
Total fees$1,205 · 2.81%
Our promise

Show us your statement. We'll beat your rate.

Because we pass card costs through at cost and skip the junk fees, we can almost always come in lower than what you pay today. If we can't, we'll tell you straight.

Beat my current rate Based on a review of your current statement. If we can't lower your cost, we'll tell you.

Three steps to a lower bill

Customer tapping a card on a countertop terminal at a salon front desk
01

Send your statement

Upload last month's statement, or hand it to your local agent.

02

Review your savings

You get a plain report: your real rate, every extra fee, and two offers side by side.

03

Switch without hassle

Your statement pre-fills the application. We check it, submit it to Netevia, and set up your terminal.

Choose the plan that fits

Standard pricing

As low as1.89%

Best if you'd rather not change your prices. Your exact rate depends on the cards your customers use:

Debit · lowestStandard creditRewards, Amex · higher
  • Interchange at cost + one small, fixed markup
  • No PCI or statement junk fees
  • One clear monthly statement
See my rate

Dual pricing

Largest savings
$49.99/ month, flat

Best if you want to cut processing costs to near zero. Card customers pay a small posted card price; you pay one flat monthly fee.

  • As low as $49.99/month
  • Compliant signage and receipts included
  • Terminal programmed for you
Get dual pricing
Backed by NeteviaProcessing through Netevia, a U.S. payments company serving 40,000+ merchants. Learn more
A local agent you can callThe same person sets you up and helps after you go live.
Clear termsEvery rate, fee and term in writing before you sign.
Local agent reviewing a savings report with a restaurant owner
Partner program

Help businesses save, and earn residuals for it.

Agents, affiliates and sub-ISOs get the fee review tool, guided applications, training and a portal that tracks every merchant and payout.

Become a partner
Quick savings check · 30 seconds

How much could you keep each month?

Fill in any two of the three boxes, tell us what cards your customers use most, and we'll estimate your savings. No statement needed for this step.

1. What you pay today 0 of 2 filled
Any two is enough. We work out the third.
2. Cards your customers use most
Your estimate
Fill in two of the three boxes
to see your savings.
Want your exact number?
Soon you'll be able to upload your processing statement here. We read every fee line, find what's hidden, and show what you'd pay with us, to the cent.
Online statement upload is coming soon.

Estimate only. Your actual rate depends on your card mix, ticket size and business type and is confirmed after a statement review.

Find out what you're really paying.

It takes a few minutes and costs nothing.

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