Overall fee structure
Understand how the current processing arrangement is organized and what questions it raises.
Payment processing
A clearer way to evaluate your payment processing.
Start with the statement you already have. Mark will help you understand the structure, identify the questions worth asking, and review available next steps.
Merchant statementREVIEW
Current structureReview
Recurring chargesReview
EquipmentReview
What the review covers
Look at the whole setup—not one advertised rate.
Recurring charges
Identify subscriptions, equipment costs, and other repeating statement items.
Payment channels
Review in-person, mobile, and ecommerce needs as one operating system.
Service and support
Clarify who helps when the terminal, deposits, or customer experience needs attention.
Built around how you take payments
One relationship across every place your customers pay.
In person
Countertop and point-of-sale options for retail, service, and high-ticket environments.
On the go
Flexible ways to accept payments away from the front counter or fixed location.
Online
Review ecommerce and remote-payment requirements alongside the rest of the business.
Three ways to structure processing
Choose the model that fits your business and your customers.
Mark will compare the available programs against your current statement, payment mix, and customer experience before recommending a change.
ConsumerChoice
Payroc's dual-pricing program presents a card price and a discounted cash or ACH price, giving customers a clear payment choice while helping eligible merchants potentially eliminate processing costs.
- Card and cash/ACH pricing displayed clearly
- Designed for maximum processing-cost savings
- Program setup and customer communication included
RewardPay Choice
A compliant surcharge program that can help eligible merchants save 50-70% on credit-card processing costs while debit and prepaid cards are not surcharged.
- Merchant-selected surcharge up to applicable limits
- Required signage and receipt itemization
- Subject to card-brand and state rules
Interchange Plus
A traditional structure where the business pays processing costs and receives a line-by-line view of interchange, card-brand fees, and processor markup.
- No customer surcharge or dual price
- Transparent fee detail
- Useful when customer-facing fees are not a fit
Programs, rates, savings, equipment, and eligibility vary and are subject to underwriting, applicable laws, and card-brand requirements.
What working with Mark looks like
A defined path from first conversation to ongoing support.
- 01Discovery
Explain the business, pain points, and payment mix.
- 02Statement review
Compare the current setup and clarify the line items.
- 03Recommendation
Review available structures and decide what fits.
- 04Secure application
Complete provider documentation only after qualification.
- 05Setup and support
Coordinate equipment, activation, and post-launch review.
Powered by Payroc
More than a countertop terminal.
Available Payroc solutions can bring in-person, mobile, and remote payments into one relationship, with options such as Roc Terminal+, virtual terminal, payment links, real-time reporting, and QuickBooks Online integration.
- Accept payments at the counter or on the go
- Send payment links by text or email
- Review transactions and reporting in one portal
ROC TERMINAL+One system. More ways to get paid.
In personMobilePayment linksVirtual terminal
Product availability and compatibility vary by business and setup.Processing questions
Make the decision with the facts in front of you.
Will my customers see an added fee?
That depends on the approved program and the transaction. Mark will explain customer communication, signage, card-brand requirements, and available alternatives using Payroc-approved language before you choose anything.
Can I keep my existing equipment?
Compatibility depends on the equipment and processing setup. Mark will review what you have and what the available solution requires.
How quickly can a new setup go live?
Approval, shipping, installation, and activation timing vary. Mark will provide a realistic schedule after reviewing the business and selected solution.
Is my statement safe to send?
The initial form does not request application-level data. Mark will provide an approved secure upload path for statements and other documents.
Start with clarity
Send the basics. Review the statement with Mark.
There is no need to collect sensitive application data until you have spoken and decided to continue.