The folks at Cyrious Software have developed their credit card interface to work directly with Capital Q.

Their interface is written to pass all of the data elements required to insure your credit cards qualify for the best rate available.

That's great news for you!

It's great news for you, because here at Capital Q, we provide True Interchange Pass Thru pricing.

What that means in English, is that our margin is constant across all the various rates billed by Visa, MasterCard and Discover for the different card types; check debit, regular credit, rewards and business cards.

Get

1. Merchant Application

2. Terms of Service

We can process your Visa, MasterCard, Discover an American Express transactions through the Cyrious Interface.

True Interchange Pass Thru Pricing.

Interchange is that portion of the Discount Rate that all processors must collect and pay to the issuing bank, while Assessments are the portion of the discount rate that is paid to the associations of Visa, Discover & MasterCard. Collectively they are referred to as I&A.

Essentially I&A represents the wholesale cost for the processing industry. Regardless of the processor's size, I&A must be paid.

We do not have any of the following fees:

Batch Header
Settlement
Customer Service
Merchant Club
Change Fee
Termination Fee

Frequently Asked Questions (Click Here)

For your analysis, fax your statements to: (800) 424-3722.

Capital Q Educates Merchants

We educate merchants on Interchange so their transactions can qualify at the best rate available. Business cards, for example, must have certain data elements present to qualify for the best rate. The folks at Cyrious have programmed their credit interface to do this automatically for you.

As of April 1st, in order to qualify for the best rate for business cards, merchants must be key valid tax amounts or the transaction will downgrade. This downgrade can cost an additional 0.90% on some MasterCards.

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