Interchange Plus
Card-network pass-through cost plus a transparent markup. The model honest operators always end up on. Best for higher-volume businesses where every basis point matters.
Solutions
Built for the way your business actually runs.
FinCo doesn't sell terminals. We diagnose how money moves through your operation today, then assemble the pricing model, processor, hardware, software, and (increasingly) the supporting services that fit. One relationship. The whole stack.
Pricing models
The right model is the one that fits your business — not your processor's.
We run the math on all five. Whichever one keeps the most margin on your specific volume, ticket size, and card mix wins.
Cash Discounting
Lower posted prices for cash; the card price includes a non-cash adjustment that recovers the processing cost. Compliant, clean signage, easy rollout — recovers 90–100% of processing cost when done right.
Dual Pricing
A lower cash price and a higher card price posted side by side. Card customers fund processing directly; cash customers get a clean break. Legal in 49 states with the right disclosure.
Surcharge Programs
A flat surcharge on credit only (debit excluded by law). Less aggressive than dual pricing, easier to roll out, still recovers most of processing cost.
Tiered Pricing
Qualified / mid-qualified / non-qualified buckets. Best when your card mix is predictable and you want pricing stability. We'll model it transparently — no hidden "non-qual" surprises.
Custom enterprise terms
For volume merchants, multi-location operators, and enterprise accounts — bespoke effective-rate negotiation, dedicated underwriting, custom batch-out windows, settlement terms tuned to your treasury. Talk to us about volume-tiered economics.
Hardware
The terminal that fits your counter — and your customer.
We work with whatever fits your operation best — brand-agnostic across networks, ecosystems, and form factors. Whether you already have hardware you love or you're starting fresh, we'll wire in the right setup. Examples of what we deploy regularly:
Kwic POS POS · Integrated
FinCo referral partner. Modern, full-feature POS for retail and restaurant. Inventory, employee management, integrated payments, customer-facing display, reporting.
Nuclear Terminal
Robust countertop and semi-integrated terminal options. Tap, dip, swipe, contactless. Clean dual-pricing display flow.
Genius Terminal · Semi-integrated
Pin-pad and semi-integrated terminals that wire cleanly into existing POS or ERP systems. Tokenization at the device — card data never touches your platform.
PAX Terminal · Mobile
Industry-standard countertop, semi-integrated, and Android-based smart terminals. PAX A77, A920, A35 — works across most major processors.
Dejavoo Terminal
Z-line and QD-line terminals. Strong fit for small retail, salons, professional services. Reliable, deployable in days, clean countertop footprint.
Clover POS · Terminal · Mobile
Clover Mini, Flex, Station, Go — full POS ecosystem with app marketplace and integrated processing. Best fit when the merchant wants an all-in-one platform.
Square POS · Terminal · Mobile
Square Stand, Square Reader, Square Terminal, Square Register — for merchants already inside the Square ecosystem, we place via our Square ISO relationship.
Spartan Software POS · Retail
FinCo referral partner. Retail-anchored POS platform with bidirectional referral relationship. Strong fit for specialty retail and multi-location operators.
Don't see what you're already using?
We can't list every option in our catalog — there are too many, and the right answer depends on your operation. We work with every major network, all the leading POS platforms, and most niche-vertical software. If you already love your hardware, we'll match a processor that integrates with it. If you want something we haven't named here, ask — we'll either know it or know who does.
Gateways & Software
Card-not-present, integrated, and recurring — all of it.
For e-commerce, B2B portals, recurring billing, and integrated POS flows, FinCo places merchants on the gateway + software combination that fits the architecture you already have or need.
Smart e-commerce gateways
Tokenization, recurring billing, vault management, fraud screening, 3DS, pay-by-link. Plays nicely with Shopify, WooCommerce, BigCommerce, Magento, Squarespace, and custom checkouts.
Vertical-specific software (referrals)
We have partner relationships with leading SaaS in restaurants, retail, salons, healthcare, fitness, hospitality, and trades. Ask about your vertical — most leading platforms work.
LQ Pay SaaS · Referral partner
For merchants who need LQ Pay's SaaS suite, FinCo is a direct referral partner. We fill out the intro form, send it over, and LQ Pay onboards you directly. You pay LQ Pay for their SaaS — FinCo doesn't sit in the middle of that billing. Clean handoff, no extra fees from us.
FinCo in-house gateway & SaaS Coming Soon
FinCo is building its own gateway and SaaS toolkit — for the moments where in-house gives a merchant better functionality, better pricing, or both. Never forced. We'll offer it when it's genuinely the best fit; otherwise we'll route you to an external partner.
HIPAA-aware placement (healthcare)
For healthcare practices, we place you on processors and gateways that handle the PCI / HIPAA boundary cleanly — tokenization at the device or in the gateway vault, cardholder data never touching your EHR/PMS. Different vendors handle this differently — we know which ones do it right.
Blockchain & crypto-acceptance network Coming Soon
Network solutions for crypto acceptance, lower network interchange fees, and structurally lower processing costs. FinCo's directional bet: lower processing cost is something we should pass through to the merchant, not pocket. More on this as it goes live.
Beyond Payment Processing
The operating partnership grows with you.
Payment processing is the foundation, but it's not where the relationship ends. FinCo is building (and rolling out) the supporting services that small businesses need but rarely get bundled with their merchant account.
Web design & build
Brand-aligned business websites built on the same modern, fast stack we use for our own brand. Clean mobile-first design, custom copy, search-optimized.
Hosting & management
We host and manage your business website month-to-month: uptime monitoring, security, content updates, DNS hygiene, SSL, backups.
SEO & search visibility
On-page optimization, local SEO (Google Business Profile, citations, NAP), schema markup, content strategy.
GEO — Generative Engine Optimization
Position your business in the LLM citation layer — getting referenced when customers ask ChatGPT, Claude, Perplexity, or Gemini for recommendations.
Marketing & ads
Campaign strategy, creative, copy, and execution across Meta, Google, LinkedIn. Built to drive traffic that actually converts on your business.
Discovery & positioning
Brand discovery session before we ship anything. Who you serve, what you stand for, what makes you different. The brief that anchors everything that follows.
What you get with every FinCo account
Six things that come standard.
Free statement analysis
We read every line. No card required, no sales pressure. ~24 hour turnaround.
Multi-partner placement
Hardware, software, gateway, and processor — assembled per account from a deep partner bench. New partners added when the right deal calls for it.
No FinCo fees, ever
You never pay FinCo directly. No annual charge. No statement fee. No rate creep. The merchant pays the processor's published cost; we earn from the placement.
No contracts, no cancel fees
You can exit any month, any reason, with no penalty. The relationship is the product.
Hardware that fits
From countertop terminals to integrated POS to mobile readers — we work with whatever your operation actually needs.
Designated escalation owner
A named person on FinCo's side handles processor questions, chargebacks, hardware issues before they reach your day.
Not sure which combination fits?
Upload your current statement and tell us a little about your business. We'll come back with the recommended pricing model, hardware option, software fit, and (if relevant) which of the expansion services would actually move the needle — side by side, with the math shown.