Pricing You Can Actually Understand
Send us your current statement — we'll show you line by line where you're being overcharged and what you'd pay with us instead. No contracts. No pressure.
No commitment required. Most businesses see savings in their first statement.
Our Pricing Philosophy
You should be able to read your own statement. Every line on ours has a name.
National Pricing Explained
Our national pricing program passes through the exact rate set by Visa and Mastercard, plus a small fixed markup. You see every cost, line by line. No bundled rates, no tiered pricing games.
No Hidden Fees
We do not charge PCI compliance fees, statement fees, batch fees, or annual fees. Your monthly statement is clear and readable. What you see is what you pay.
No Long-Term Contracts
We earn your business every month with competitive pricing and excellent service. No multi-year lock-ins, no early termination fees. If we are not delivering value, you are free to leave.
Free Savings Analysis
Send us your most recent processing statement and we will show you exactly how much you can save. Most businesses save $400+ per month after switching to Cloud9.
What “transparent” looks like in numbers
Tiered and bundled pricing often lands Northeast Ohio merchants around 2.8–3.5% effective once non-qualified buckets and junk fees stack up. Interchange-plus typically runs closer to 1.8–2.3% effective with a markup you can see. Dual pricing can take merchant processing cost to $0 when it fits and is set up compliantly. Exact Cloud9 markup is quoted from your statement — not a brochure rate.
Choose Your Program
All three include the same pricing model and the same support. The difference is who pays the card fee.
Surcharge
Pass credit card fees to card users
Compliant surcharge up to card-brand caps (typically ≤3%)
Add a compliant surcharge to credit card transactions while keeping debit and cash payments at the base price. A straightforward way to offset processing costs without changing your listed prices.
- Surcharge applied only to credit card transactions
- Debit and cash transactions at base price
- Fully compliant with card brand rules
- Clear disclosure on receipts and signage
- Works with Clover POS systems
- Free setup and compliance review
Ideal for
Dual
Eliminate your processing costs
Path to $0 merchant processing cost when compliant
Two prices at checkout, cash and card. Compliant and clearly signed, and your margin stops absorbing the card fee.
- Can eliminate processing costs entirely
- Automatic cash/card pricing at checkout
- Compliant signage and receipts included
- No customer confusion — clear and transparent
- Works with Clover POS systems
- Free setup and training
Ideal for
National
Transparent pass-through pricing
Typical effective ~1.8–2.3% vs ~2.8–3.5% tiered
See exactly what you pay on every transaction. Interchange fees pass through at cost, plus a small fixed markup. No hidden fees, no surprises, no tiered pricing games.
- True interchange pass-through
- No hidden fees or junk charges
- No long-term contracts
- Same-day or next-day funding
- Detailed monthly statements you can actually read
- Free statement analysis before you switch
Ideal for
Here's how Cloud9 stacks up against the processors you've probably already tried.
Cloud9 vs. Typical Processor
| Feature | Cloud 9 Payments | Typical Processor |
|---|---|---|
| Pricing model | Interchange-plus (transparent markup) | Tiered / bundled (opaque) |
| Typical effective rate | 1.8–2.3% effective + clear markup | 2.8–3.5% effective after “non-qualified” buckets |
| Hidden fees | None | PCI fees, statement fees, batch fees, annual fees |
| Contracts | No long-term contracts | 3-year lock-in with early termination fees |
| Support | Local same-day (Northeast Ohio) | Call center queue |
| Funding speed | Same-day / next-day | 2–3 business days |
| Setup & training | On-site, white glove | Ship equipment, figure it out |
| Statement clarity | Plain-language, line by line | Confusing codes and jargon |
Meet the Industry's Fastest Funding
Access your money as fast as the same day, with standard next-day funding options. Stop waiting days for your deposits.
Free Savings Analysis
Upload your most recent processing statement and we will analyze it line by line, identify hidden fees, and show you exactly how much you can save.
Pricing Questions
Request a Free Savings Analysis
Send us your most recent processing statement and we will show you exactly how much you can save with Cloud9.
No commitment required. Most businesses see savings in their first statement.
Call or Text: 1-855-297-6722