Plans
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Card rates and fees
| Fee | Amount | Applies to |
|---|---|---|
| In-person card rate | Quote onlyPayroc (opens in a new tab) · Vendor website · Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application. | per transaction · In person |
| In-person fee per transaction | Quote onlyPayroc (opens in a new tab) · Vendor website · Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application. | per transaction · In person |
| Online card rate | Quote onlyPayroc (opens in a new tab) · Vendor website · Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application. | per transaction · Online |
| Online fee per transaction | Quote onlyPayroc (opens in a new tab) · Vendor website · Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application. | per transaction · Online |
| Keyed-in card rate | Quote onlyPayroc (opens in a new tab) · Vendor website · Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application. | per transaction · Keyed |
| Keyed-in fee per transaction | Quote onlyPayroc (opens in a new tab) · Vendor website · Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application. | per transaction · Keyed |
| Monthly account fee | Quote onlyPayroc WorldAccess, LLC (opens in a new tab) · Contract or terms · Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application. | per account |
| PCI compliance fee | Quote onlyPayroc (Support Hub) (opens in a new tab) · Vendor website · Payroc charges a Platinum Security PCI fee, monthly or yearly, for access to SecureTrust's PCI Manager, plus a PCI noncompliance fee for each month you don't comply; the amounts are in your application. | per account |
| Statement fee | Quote onlyPayroc WorldAccess, LLC (opens in a new tab) · Contract or terms · Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application. | per account |
| Annual renewal fee | Quote onlyPayroc WorldAccess, LLC (opens in a new tab) · Contract or terms · Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application. | per account |
| Fee per batch | Quote onlyPayroc WorldAccess, LLC (opens in a new tab) · Contract or terms · Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application. | per settlement batch |
| PCI non-compliance fee | Quote onlyPayroc WorldAccess, LLC (opens in a new tab) · Contract or terms · Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application. | per accountOnly if you aren't PCI compliant at any point in the month. |
| Monthly minimum | Quote onlyPayroc WorldAccess, LLC (opens in a new tab) · Contract or terms · Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application. | per accountOnly when your processing fees in the month are below the minimum: you pay the difference. |
| Chargeback fee | Quote onlyPayroc WorldAccess, LLC (opens in a new tab) · Contract or terms · Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application. | per accountEach time a customer disputes a charge. |
| Unreturned equipment, per piece | $525 one-timePayroc WorldAccess, LLC (opens in a new tab) · Contract or terms · From Payroc's US Merchant Terms and Conditions (updated February 17, 2026), linked from payroc.com/legal; rates and fees go in Section 6 of your application. | per deviceOnly for Payroc-owned or loaned equipment not returned within 14 business days after the agreement ends. |
| Returned debit (NSF) | $35 one-timePayroc WorldAccess, LLC (opens in a new tab) · Contract or terms · From Payroc's US Merchant Terms and Conditions (updated February 17, 2026), linked from payroc.com/legal; rates and fees go in Section 6 of your application. | per accountEach time a debit Payroc sends to your account bounces. |
| Secured creditor notice (UCC fee) | $599 one-timePayroc WorldAccess, LLC (opens in a new tab) · Contract or terms · From Payroc's US Merchant Terms and Conditions (updated February 17, 2026), linked from payroc.com/legal; rates and fees go in Section 6 of your application. | per accountOnly if a lender with a lien on your business sends Payroc a notice about your funds. |
Paid by your customers
With this program your customers pay the card cost on the cards it covers, so those cost your restaurant $0 in our estimate. A surcharge only covers credit cards: your restaurant still pays the vendor's rate on debit. We show what your customers pay apart and never add it to your cost. Card network rules and state laws apply, and some states limit surcharges.
| Fee | Amount | Applies to |
|---|---|---|
| ConsumerChoice dual pricing (paid by your customers) | Not publishedPayroc (opens in a new tab) · Vendor website · Payroc doesn't publish the card price difference. | per transaction |
| RewardPay Choice surcharge (paid by your customers) | 3%Payroc (opens in a new tab) · Vendor website · Up to 3% on credit cards, set by the merchant (up to 2% in Oklahoma). | per transaction · Visa, Mastercard and Discover credit and American ExpressOnly if you choose RewardPay Choice instead of ConsumerChoice dual pricing; credit cards only. |