Card processing

Published rates.
You keep the rest.

2.9% + $0.30 on keyed Visa, Mastercard and Discover payments; American Express 3.5% + $0.30. No monthly fee, no contract. Move the sliders and read your own receipt.

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No credit card to sign up
EXAMPLE
PRYSM · WHAT YOU KEEPvs. your current processor · per month
$25,000$40
Transactions625
Square$1,012.50
Stripe$912.50
Prysm$912.50
Prysm with surcharge on$790.63
$122 / moyou keep with surcharging, vs Stripe
Surcharge applies to credit only — debit always runs at 2.9% + $0.30. Shown to the customer before they pay, itemized on the receipt. Competitor figures are published online list rates (Square Free plan, Stripe standard), checked 2026-10-06; your actual rate may differ. Prysm figures use the Visa, Mastercard and Discover rate; on Standard, American Express is 3.5% + $0.30.
$0monthly fee, setup fee, or cancellation fee
Tokenizedcard data is handled by our PCI Level 1 processor
How the money moves

Three moments. You only touch the first.

This is the sequence a card sale takes on Prysm.

1

Customer pays

The card is typed into a secure form and encrypted in the browser.

2

Approved, itemized, receipted

The receipt shows the sale, any surcharge, and the total, exactly as the customer approved it.

3

Settled to your bank

Your dashboard shows fee and net to the cent on every transaction.

Pricing

Three ways to pay for processing. Pick one, switch anytime.

All three include the dashboard. None has a monthly fee.

You pay all
2.9% + $0.30
The rate on the receipt above.
  • American Express: 3.5% + $0.30 from October 6, 2026
You pay 2.15%
2.15% + $0.30 on credit
Your customer covers a disclosed 1.35% card fee on credit. Debit stays at standard.
  • Fee shown before the customer pays, itemized after
  • Credit only
  • Where state law permits surcharging
Customer pays
3–4.5% + $0.45
Post a cash price; card customers pay a card price this much higher, set from your kind of business. You keep your full cash price on Visa, Mastercard and Discover. American Express costs you 0.3% + $0.15 of the card price; a tip costs you at most 2.7% of the tip.
  • Works on debit too — the card price is your posted price
  • Card price shown on every card-sale receipt
Questions merchants ask

Straight answers.

Do I need to buy a card reader?

No. Card payments are keyed.

Is surcharging legal where I am?

In most states, yes, with disclosure. Prysm enforces the rules in software: the surcharge is shown before payment, never applied to debit, and blocked in states that prohibit it.

What do you see of my customers' cards?

The full number is encrypted in the browser and goes straight to the processor.

How long does setup take?

Fill in your business details and verify your identity with our processor. Processing starts once the processor's underwriting approves your business.

2.9% + $0.30 on Visa, Mastercard and Discover sales; American Express 3.5% + $0.30 from October 6, 2026. No monthly fee, no contract, and where surcharging is allowed your credit-card customers can cover part of the fee.

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