Despite claims by some processors, all processors have the exact same "wholesale" cost known as Interchange & Assessments (I&A). Interchange goes to whomever issued the credit/debit card and Assessments go to one of the respective associations of a particular card either Visa^® or MasterCard^® .

There are different rates for the various card types; credit, check/offline debit, business & reward. The rate changes depending on whether the card is : swiped, keyed, includes address verification, PO & Tax, Invoice # or line item detail.
All merchant service companies are required by Visa^® & MasterCard^®to disclose the processing bank as well as the city and state. Fines can range as high as $10,000 if they don't.

If you deal with a company that does not disclose the bank, find another processor or service provider.

Application Request

Capital Q is a registered Member Service Provider for U.S. Bank of Minneapolis, MN.

Together we provide superior service and can process ALL of the Payment Solutions shown below on a single terminal.* We provide:

Pass thru pricing
Gross deposits- Fees are taken out at month end in a single withdrawal.
Current Billing- All I&A fees are billed for the current month, it is not spread out over several months like some processors.
Free Online Reporting
Easy to reconcile statements

Payment Solutions

Convert International Visa^® and MasterCard^® credit card purchases instantly at the point of sale (POS) to the cardholder’s home currency.

Capital Q shares the conversion fee with merchants, generating additional revenue for your business.

*Some services require additional hardware such as; a pin pad or check imager.