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Riverhead Financial Partners

Financing

Credit Card Processing

Interchange-plus payment processing with a transparent markup — plus a free statement audit to find what your current processor is quietly charging you. Lower the cost of getting paid, with no contracts holding you hostage.

MarkupInterchange + 0.15% + 8¢
AuditFree · 48 hours
ContractsNo lock-ins or ETFs

Key terms

The facts, up front.

Markup
Interchange + as low as 0.15% + 8¢
Pricing
From 1.5% + 30¢
Audit
Free 48-hour statement review
Contracts
No lock-ins · no early-termination fees

The true cost

Estimate your processing savings

Move the inputs to see the real numbers. We show total repaid and the effective rate — nothing hidden.

$80,000
2.90%

Send a real statement and our free 48-hour audit replaces this estimate with your actual numbers — no lock-ins.

Best-case monthly savings

$1,120

Current cost

$2,320

Interchange-plus

$1,200

Per year

$13,440

Best case: this uses our lowest effective rate and excludes per-transaction fees, so your real saving will be lower. Effective rate depends on your card mix and ticket sizes — the free audit produces your actual figure. Rates as of September 2, 2026.

A strong fit when

  • Businesses doing meaningful monthly card volume
  • Anyone stuck on opaque tiered or flat-rate pricing
  • Pairing processing savings with a financing relationship

Probably not when

  • Very low card volume, where the savings won't move the needle
  • Owners genuinely happy with a simple flat-rate processor

How the process actually works

Send a recent statement. In 48 hours we'll show you, line by line, what you're actually paying and what interchange-plus would cost instead. No obligation, no lock-in.

Questions

Credit Card Processing, answered.

Interchange-plus passes the networks' interchange through at cost and adds a small, transparent markup — instead of bundling everything into a vague 'qualified/non-qualified' tier. The audit shows the difference in dollars.

  • Effective rate depends on your card mix and ticket sizes; the audit produces a figure specific to your business.
  • Interchange is set by the card networks and passed through at cost.

Credit Card Processing

See if this is your best option.

One application, and the matching algorithm surfaces every partner built for your profile — so you can see whether this product is truly your best fit.

Soft-pull first — no score impactor call (800) 655-2151