Payment Programs

Every Business Is Different. Your Pricing Strategy & Payment Program Should Be Too.

Different industries, average tickets, customer behavior, card mix, and regulations mean there is no one-size-fits-all pricing model. Monument evaluates your business first, then recommends the strategy that produces the best overall financial outcome for your operation.
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Fee Recovery Programs

Offset card processing costs through dual pricing or surcharging

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Traditional Processing

Interchange-plus, flat-rate, and tiered pricing structures

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ACH & eCheck Solutions

Bank-to-bank payments at a fraction of card processing costs

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ETA Certified   Payment Professional

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Serving   Businesses Since 2014

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500+   Merchants Served

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PCI DSS  Compliant

OUR APPROACH

Pricing Structure Is Part of the Payment Strategy

Most businesses focus on which terminal or POS to use. Fewer think carefully about how the cost of accepting payments is structured. That oversight often means paying more than necessary, or implementing a program incorrectly and creating compliance exposure.



Monument evaluates your transaction mix, average ticket, volume, customer base, and industry before recommending a pricing structure. The right program depends on all of those factors together, not just one.


We do not sell programs. We engineer payment strategies.


Not sure which program applies to your business? That is exactly what the consultation is for.

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Full Business Evaluation

Monument reviews your transaction types, volume, average ticket, and industry before recommending a program.

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Compliance Review

Fee recovery programs have state-specific rules. Monument confirms compliance before any program is implemented.

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Handled Implementation

Monument configures the POS, signage, receipt formatting, and processor setup , not just the recommendation.

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Ongoing Review

Monument reviews your effective rate regularly to ensure the program continues to perform as expected.

Pricing Strategies

Three Pricing Strategies

Monument works within three pricing strategy categories. The right choice depends on your business type, transaction mix, and goals. Many businesses benefit from a combination.

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Surcharging

40-60% savings

Surcharging is designed for businesses that want to eliminate or significantly reduce their card processing costs. A separately disclosed fee is applied only when a customer chooses to pay by credit card. Debit card transactions are handled differently. Monument evaluates your business type, state regulations, and POS compatibility before recommending this strategy.

Why Choose It: Credit card transactions cost you nothing. Customers who pay by debit or cash are unaffected.

What Monument Does: Monument handles compliance review, POS configuration, signage requirements, and receipt formatting.

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Dual Pricing / Cash Discount

Up to 100% savings

Dual pricing and cash discount programs are the same pricing philosophy presented through different display methods. Under Visa's guidelines, merchants may display the card price only, or display both the cash and card price wherever prices are shown. When the customer is ready to pay, the total card price is already displayed rather than adding a fee at checkout. Monument determines the right display method for your business type and POS environment.

Tier Monthly Volume Monthly Fee
Starter Up to $5,000/month $25/month
Growth $5,000 to $10,000/month $50/month
Enterprise $10,000+/month $75/month

One flat monthly subscription. Unlimited processing.

Why Choose It: Recover up to 100% of card processing costs. The pricing is transparent to customers before they decide how to pay.

What Monument Does: Monument configures the pricing display, trains staff, and ensures the implementation meets Visa's published compliance guidelines.

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Traditional Processing

10-15% savings

Traditional card processing gives businesses full transparency into what they are paying and why. Monument does not publish a single universal rate because every business processes differently. Average ticket, monthly volume, card mix, business type, transaction method, and industry all affect which pricing structure produces the lowest effective cost for your operation.

  • Custom pricing based on your business, not a one-size-fits-all rate.

$25 flat monthly subscription.Unlimited processing.

Why Choose It: A straightforward, transparent way to accept card payments while keeping pricing simple and predictable, without adding a separate fee to the customer at checkout.

What Monument Does: Monument analyzes your transaction volume, average ticket, card mix, and processing methods to build a custom pricing structure designed to keep your effective processing costs as low and predictable as possible.

INDUSTRIES

Who Benefits Most from Payment Program Optimization

Every industry has different transaction patterns, average tickets, and customer expectations. Monument identifies which pricing strategy produces the best outcome for your specific business type and explains why it fits.

Not seeing your industry? Monument works across many business types.

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Retail

High card volume and consistent in-person transactions make retail one of the strongest candidates for fee recovery. Dual pricing is common in fuel, convenience, and specialty retail.

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Automotive

Service tickets average $300 to $800. Fee recovery programs can save thousands per month. Monument configures dual pricing or surcharging for service writers and parts counters.

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Education & Nonprofits

Tuition, donations, and membership dues collected on recurring schedules are well-suited for ACH. Lower per-transaction fees stretch program budgets further.

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Healthcare & Professional

Practices billing insurance and collecting patient balances benefit from ACH for recurring payments and interchange-plus for card transactions. Surcharging is permitted in most states.

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B2B & Industrial

Large invoices paid by corporate purchasing cards are ideal for ACH and Level 2/3 data optimization. Monument reduces interchange costs on high-ticket B2B transactions significantly.

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Recurring Billing

Subscription and membership businesses with predictable billing cycles benefit most from ACH. Monument sets up automated recurring schedules through Accept Blue and iPOSpays.

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Not Sure Which Pricing Strategy Fits?

That is exactly why we offer a consultation. Monument evaluates your business, current processing statements, transaction mix, customer behavior, and goals before making a recommendation. No sales pressure. No guesswork.

COMMON QUESTIONS

Frequently Asked Questions

Questions about how Monument works, what solutions fit your business, and what to expect from the process.

Still have questions?

Monument is happy to walk through your specific situation on a call.

  • How does Monument decide which payment program is right for my business?

    Monument evaluates your business type, transaction volume, average ticket size, customer base, and state regulations before recommending a program. There is no one-size-fits-all answer. A retail store with high card volume may benefit from fee recovery. A B2B company invoicing large amounts may benefit more from ACH. Monument identifies which program, or combination of programs, produces the best outcome for your specific situation.

  • Can I use more than one payment program at the same time?

    Yes. Many businesses use a combination. For example, a business might implement surcharging for in-person card transactions while also offering ACH as a payment option for invoiced customers. Monument designs the overall payment strategy, not just a single program.

  • Is fee recovery legal in my state?

    Surcharging and dual pricing rules vary by state. Some states prohibit surcharging on credit cards. Monument reviews state-specific regulations as part of the evaluation process and will not recommend a program that is not compliant in your jurisdiction.

  • What is the difference between dual pricing and surcharging?

    Dual pricing displays two separate prices at the point of sale: a lower cash price and a higher card price. The customer sees both prices before choosing how to pay. Surcharging adds a disclosed fee to the transaction total when a customer chooses to pay by credit card. Both approaches recover processing costs, but they operate differently and have different compliance requirements.

  • How much can ACH save compared to card processing?

    ACH fees typically range from $0.25 to $1.50 per transaction regardless of the transaction amount. Card processing fees are percentage-based, typically 2.5% to 3.5%. On a $1,000 transaction, card processing costs $25 to $35. The same payment via ACH costs $0.25 to $1.50. For businesses with recurring or high-ticket transactions, the savings can be substantial.

  • Does Monument handle the compliance and setup for these programs?

    Yes. Monument handles the full implementation: compliance review, POS configuration, signage requirements, receipt formatting, and processor setup. Monument does not hand you a program and leave you to figure out the details.

Ready to Build a Smarter Payment Strategy?

Monument evaluates your business, identifies the right pricing strategy, and handles the full implementation. No long-term contracts, no sales pressure.