Merchant services for U.S. businesses
Card processing with the markup on the table.
Veyra Merchant sets up and manages credit card processing for retail and service businesses. We show you exactly what you pay, shop your account across leading processors, and stay your one contact after you switch.
Anatomy of a processing fee
Most of your fee is fixed. We negotiate the rest.
Every card sale carries interchange, set by Visa, Mastercard, Discover and American Express, plus small card-brand fees. Those costs are the same at every processor. The markup is what differs, and it's often buried in a flat or tiered rate. We put it on its own line.
- InterchangePaid to the cardholder's bank. Set by the card networks.
- Card-brand assessmentsSmall network fees, passed through at cost.
- Processor markupThe only part that's negotiable, and where most businesses overpay.
Illustrative proportions. Your actual mix depends on card types and how you take payments.
What we handle
Everything between your register and your deposit.
We work with established U.S. processors, so you get their underwriting, security and support, with us as your advocate.
Credit & debit processing
Visa, Mastercard, Discover, American Express, Apple Pay and Google Pay, in store and online.
Statement review
We read your current statement line by line and show you what you're paying in markup and extra fees.
Terminals & POS
Countertop and mobile terminals, or integration with the POS system you already run.
One point of contact
A real person who knows your account, for setup, chargebacks, statements and rate checks.
How switching works
From statement to live in four steps.
Send a statement
Share one recent processing statement for each location, or for your main account.
Get a side-by-side
We price your volume with our processing partners and show current cost against the proposal.
Apply and set up
We prepare the application, handle underwriting questions and set up your equipment.
Go live and stay reviewed
We schedule the switch to avoid downtime and check your statements after you go live.
Multi-location businesses
Ten stores shouldn't mean ten problems.
- One pricing agreement covering every location
- Deposits and reports for each store, plus a combined view
- New locations added without starting over
- A single contact for equipment, support and billing
Free rate review
See what you're really paying.
Email us a recent processing statement. We'll reply with a plain breakdown of your current costs and what interchange-plus pricing would look like for your business. There's no obligation to switch.