Keep more of every sale. Put the savings back to work.
Transparent interchange-plus card processing, paired with the tools that help your business follow up, get paid and grow. We'll estimate your real effective rate before you apply.
Most processors show you one number. We show you what's inside it.
Every card payment begins with underlying network and issuing-bank costs. Your processor then adds its own pricing on top. Flat-rate providers roll those pieces into one rate, so lower-cost transactions can subsidize higher-cost ones. Zend uses transparent interchange-plus pricing: the underlying cost is passed through, and the margin is shown separately — without needing a decoder ring.
Flat rate
Zend wholesale
What could your current rate be costing you?
A headline rate can't tell you what your business will pay. Your card mix can. Give us a few basic numbers and we'll estimate your effective rate side by side with what you pay now — clearly labeled as an estimate, not a guaranteed rate.
That's $7,579 back in your business bank account every year.
Assumptions: 85% of volume & transactions processed as debit at 1.00% + 25¢; 15% credit at 1.30%. Interchange rates vary by card brand, type, and transaction origin. Competitor rates are published flat rates.
Save. Reinvest. Scale.
Lower fees are the start, not the point. The point is what those dollars do next.
Save
Pay a transparent cost-plus rate — not one padded flat rate.
Your effective rate is based on how your customers actually pay. We'll estimate your number before you apply and tell you if wholesale pricing is unlikely to improve it.
Reinvest
Turn avoidable processing markup into useful business tools.
There is a monthly platform fee, and we show it separately. For many businesses, processing savings can offset some or all of that cost — replacing disconnected subscriptions with one working system. Same money out the door. Completely different result.
Scale
Start with payments. Turn on more as the business grows.
Use the tools you need now and add the rest when they become useful. Payments are the starting point, not the entire platform.
Getting paid, winning customers and running the work
Stop stitching together separate systems that don't share the same customer history.
Get paid Live
Take payments in person, online, by invoice or on a recurring schedule — with the transaction connected to the same customer record.
- Transparent card processing
- Text and email invoices
- Recurring payment support
- Payment status and transaction history
Win customers Live
Keep leads, conversations and follow-up in one place. Automate the reminders that are easy to forget when you're busy doing the actual work.
- CRM and pipeline
- Automatic quote and lead follow-up
- Text and email campaigns
- Review requests after completed work
Run the business By setup
Coordinate bookings, orders and financial records with fewer handoffs. Activate only the connected modules that fit the business.
- Scheduling, reminders and confirmations
- Order and shipment updates, where enabled
- Bookkeeping sync and cleaner reconciliation
- Supported social publishing connections
Nobody disappears on you at underwriting.
Switching processors often feels easy until the application reaches underwriting. Then the updates stop, questions go unanswered and you don't know what is holding things up. Zend gives you a real person who knows your application, explains what is needed and keeps you informed from submission through setup.
- A named person on your application — not an anonymous ticket queue.
- Guided setup, with each step explained before you're asked to complete it.
- Support and education resources when questions come up.
- Clear reporting that separates underlying card costs from processor markup.
One invoice. More ways for your customer to pay.
Send an invoice by text or email. Your customer chooses from the payment methods enabled for your Zend account. The invoice status stays connected to the customer record, giving you a clearer view of what has been paid and what still needs attention.
- Text and email delivery: the invoice lands where your customer already is, with a secure pay link.
- Customer choice: the payment methods enabled for your account, on one page.
- Connected records: status, history and follow-up on the same customer timeline.
Card payments use transparent wholesale pricing. Lower-cost payment options may reduce the blended cost of getting paid when available and appropriate for the transaction.
Zend Billing
Automated SMS Agent
Don't take our word for it. Compare the statement.
The strongest proof is your own processing history. Upload a recent statement and we'll show the current effective rate, the visible fees and an estimated Zend comparison — before you decide whether switching makes sense.
Request your free statement review
Enter your info and a real person will review your transaction mix, walk you through the comparison and tell you honestly whether the numbers support a switch.
Frequently asked questions
What does wholesale processing mean?
Zend uses interchange-plus pricing. The underlying card costs are passed through and the processor margin is shown separately instead of being hidden inside one flat rate.
What will my rate be?
It depends on card mix, ticket size, transaction type and business category. Use the calculator for an estimate or upload a recent statement for a more accurate comparison.
Is wholesale always cheaper?
No. Very small average tickets or a high share of premium rewards and corporate cards can narrow the advantage. We'll tell you when the numbers do not support switching.
Is there a monthly fee?
Yes. Processing and platform costs are shown separately so you can evaluate each one clearly. Plans start at $100 a month with no setup fee; see the pricing page for all three.
Do I have to use every tool?
No. Start with the functions your business needs and activate additional connected tools as they become useful.
How long does approval take?
Timing depends on the bank and underwriting requirements. Zend cannot promise the approval date, but a real person will keep you informed throughout the process.
Can Zend move my saved customer cards?
Migration options depend on your current provider, token portability and the receiving gateway. We will confirm what can be transferred before promising a migration plan.
Can I keep my current processor during setup?
In many cases, a parallel setup is possible. Zend will map the transition around your current system and confirm the cutover plan before anything is canceled.
Save. Reinvest. Scale.
See what you may be overpaying in about ninety seconds — without starting an application.
See what you could save →