Traditional
Interchange-Plus Pricing
Clear margins. No confusing tiers. ARCA passes interchange through at cost and adds a simple, capped markup so you always know what you’re paying—and why.
Built for storefront
For in-person businesses, consistency matters. ARCA’s Traditional Pricing keeps your processing straightforward: interchange is passed through at cost, and ARCA adds a flat, clearly stated margin per transaction.
You get transparent line items, predictable fees, and a pricing model that scales cleanly as you grow—without “qualified / mid / non-qualified” surprises or confusing rate buckets.
Why teams choose ARCA
Designed for everyday checkout—fast deposits, real support, and pricing you can explain in one sentence.
Keep cash flow moving with dependable settlement timelines and clear funding visibility.
When something matters at the counter, you get help quickly—without endless ticket loops.
Earn your business every month. Simple onboarding and flexibility as your needs change.
Clean statements and clearly defined fees—so you can reconcile quickly and confidently.
Traditional Program, explained
Interchange-plus means ARCA does not bundle rates into confusing categories. Interchange and network assessments are passed through at cost, and ARCA adds a small, fixed margin per transaction.
What you pay
StraightforwardYour effective rate is driven primarily by the card your customer uses (that’s interchange). ARCA’s portion stays consistent, so there are fewer surprises month-to-month.
We’ll walk you through your average ticket, card mix, and current statement to confirm this program is the best fit.
Who it’s best for
Storefront & serviceGreat for retail, quick service, professional services, and growing teams that want a clean pricing structure that scales with volume.
If you process across multiple locations, we can standardize your setup so reporting is consistent and easy to manage.
FAQ
What is the Traditional Program? ▾
ARCA’s Traditional Program uses interchange-plus pricing. That means interchange and card network assessments are passed through at cost, and ARCA adds a clear, flat margin per transaction. You see exactly what goes to the banks, the card brands, and ARCA.
How is interchange-plus different from tiered pricing? ▾
Tiered pricing groups transactions into buckets like “qualified” or “non-qualified,” which can hide what you’re actually paying. Interchange-plus keeps the underlying costs visible and keeps ARCA’s markup consistent.
Will ARCA review my current statement? ▾
Yes. We’ll do a no-cost comparison against your current provider, highlight any hidden fees, and recommend the best structure for your volume and checkout type.
Are there contracts or cancellation penalties? ▾
ARCA is built around earning your business. If you ever need to change setups or move on, we’ll make the process clear and straightforward.
Do you add monthly minimums or surprise “program” fees? ▾
No hidden add-ons. Our pricing is spelled out up front, and your statement reflects the same line items we disclose below.
Full disclosure pricing
Everything you’ll see on your statement—up front. Interchange and card network assessments are passed through at cost.
| Cost | ARCA’s cost |
|---|---|
| Monthly costs | $15 / month |
| Interchange + margins | 0.35% + $0.10 / authorization |
| Interchange costs | Passed through at cost |
| Card assessment costs | Passed through at cost |
| AVS cost (for keyed sales) | $0.05 / transaction |
| Batch cost | $0.10 / batch |
| Retrieval cost | $25 / instance |
| Chargeback cost | $25 / instance |
| Voice authorization cost | $2.00 / instance |
| Closure cost | $50.00 / location |
| Pin debit costs (if applicable) | Passed through at cost ($48 / year) |
| ACH reject cost | $30 / instance |
| Wireless service cost (if applicable) | $17 / month |
| Clover Go Mobile (if applicable) | $10 / month |
| PCI non-compliance (if applicable) | $49.95 / month |
Ready for transparent Traditional Pricing?
Fast onboarding. Clear statements. A program you can explain to anyone on your team.