Interchange Plus
Card-network pass-through cost plus a transparent markup. The model honest operators always end up on. Best for high-volume, low-margin 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 place you on the processor, pricing model, and hardware combination that recovers the most margin without breaking how you operate.
Pricing models
The right model is the one that fits your business — not your processor's.
We run the math on all three. Whichever one keeps the most margin on your specific volume, ticket size, and card mix wins.
Dual Pricing
A lower cash price and a higher card price posted side-by-side. Card customers fund the processing cost directly; cash customers get a clean break. Legal in 49 states with the right disclosure.
Surcharge programs
A flat surcharge on credit card transactions only (debit excluded by law). Less aggressive than dual pricing, easier to roll out, still recovers most of your processing cost.
What you get with FinCo
Six things that come standard.
Free statement analysis
We read every line. No card required, no sales pressure.
Multi-processor placement
Hawthorn, Netevia, Luqra, Cliq, PayArc — whichever wins your account economics.
No long-term contracts
You can exit any time. Our job is to earn the next month, every month.
Buyout assistance
If you're locked into an early termination fee, we'll help cover it when the math works.
Hardware that fits
From Clover to Spartan POS to mobile terminals. No "you have to use ours."
Direct line to ownership
You don't dial a call center. You text Drew.
Not sure which model fits?
Upload your current statement. We'll show you what each model would cost on your actual volume, side by side, with the math shown.