Blue Pebble is a leading payments processor. We offer unprecedented customer service with our merchant accounts and help you reduce your processing fees.
No hidden fees
Interchange Plus Pricing
Designed to be clear and insightful
I recently opened my own [Speciality] Cafe in Folsom. I started as a Food Truck and did special events & catering. Since day one in business, I used Square for my credit card processing and it worked great. I thought the fees were reasonable and I received my funds quickly. So have you ever heard the term "you don't know what you don't know"... Well I'm very happy to say that [Blue Pebble Team Member] from Blue Pebble stopped in my cafe and opened my eyes to a better solution. I'm extremely pleased and happy that I switched all my credit card processing to Blue Pebble, since I switched I've saved so much in fees. I love saving money but more than that, I value service. The team at Blue Pebble were awesome and helped me get up and running smoothly...they earned my business! I also like to promote local business as much as possible, we need to stick together!Kit S. (Folsom, CA)
Credit card processing is one of the last issues I want to deal with as a business owner. Changing over to Blue Pebble Solutions made that process simple! Working one-on-one with [Blue Pebble Team Member] has been wonderful. He helped with each step through the change and setup as he is truly dedicated to his promises. Blue Pebble Solutions has met and exceeded all my expectations!Milane P. (Shingle Springs, CA)
I have always been skeptical of credit card processors since opening my business. The gentleman I previously worked with had ruined my trust with processors due to lack of communication, false advertisement, broken promises and high rates. Since I met [Blue Pebble Team Member] with Blue Pebble Solutions he has upheld every promise and worked with me from the beginning of switching processors, to following up with me each month after changing! Having a local company and working in person with [Blue Pebble Team Member] has definitely made a highly satisfied customer and I have been extremely glad to give them any referrals.RJ H (Diamond Springs, CA)
Our customers love us! If you need references and full names, please contact us
The interchange plus merchant account is designed to give you a complete insight into what your exact processing costs are
|Txn Rate||Interchange +0.35%|
|Txn Fee||Interchange +$0.15|
|Txn Rate||Interchange +0.40%|
|Txn Fee||Interchange +$0.20|
Hidden fees are some of the bigger pain points in a merchant-processor relationship. This happens when all the fees are not disclosed upfront and when they are applied. We will explain all fees that may apply to your account. Here are the most common fees and when they occur.
Interchange is the rate charged by Visa, MasterCard, Discover, American Express to all processors regardless of their size. Interchange is also called wholesale pricing. Getting pure interchange without markup means you have a team to create and support your systems that directly connect to Visa/MasterCard network. Getting access to this network is a feat of its own in terms of process and investment. If you are a small and medium-sized business, you may not prefer to support the cost of such a team. Alternatively, you can use our scale of operations to process payments through us where we have dedicated systems to process with various Card payment processor.
We are dedicated to small and medium size businesses and geared to give great customer service. We also provide various value added services that may increase your business customers and reduce your rates even further. For such value, we charge a small markup upon the interchange rate. Interchange plus the markup is called the "Interchange-Plus" pricing. This pricing is as transparent as it can get. This is because, the interchange rate is public information viewable on Visa/Mastercard website (Google: Visa Interchange Rates) and same for all merchants regardless of size. Then, you already know how much mark up we added and any monthly fees to know exactly what you are paying for.
Let's take a simple example of a transaction in 2018. The discount rate depends on the type of card used by the customer.
|Card Type||Interchange Rate||Card Brand Fees||Blue Pebble Price||True Rate|
|Visa Debit Retail Swipe Exempt||0.80% + $0.15||0.14% + $0.03||0.35% + $0.30||1.29% + $0.48|
|MC Credit Retail Swipe World Elite||2.20% + $0.10||0.11% + $0.02||0.35% + $0.30||2.66% + $0.42|
|When it changes||once or twice a year, by Visa/MC||once or twice a year, by Visa/MC||Never Increases!||NA|
Please drop us a line on how we can help you and we'll get back to you soonContact Us