Transparent Pricing. Predictable Payments. No Surprises.
We don’t publish flat rates because every high-risk business is unique. Instead, we set clear expectations, eliminate “fluff” fees, and give you a pricing plan that grows with you.
TL;DR Bankcard International Group provides transparent, bank-friendly pricing for high-risk businesses. Instead of teaser rates or trying to fit everyone into a box, we explain every cost upfront, set clear expectations for reserves and funding, and create custom quotes that help you stay approved and scale with confidence.
High Risk Payment Processing: Pricing Isn’t One-Size-Fits-All
Pricing Built for Transparency & Long-Term Stability
Why We Don’t Post Flat Rates
Every high-risk business is different. Industry type, processing history, transaction size, chargeback exposure, and banking partner requirements all impact your cost of acceptance.
Instead of generic numbers that rarely apply, we believe in upfront clarity: no hidden fees, no “fluff charges,” and clear expectations around reserves, funding timelines, and monthly costs.
Other processors lure you with teaser rates that rarely apply to your business. In reality, industry type, transaction volume, and chargeback history all impact your costs. BIG takes a different approach: we explain every component of your pricing upfront.
Every BIG Merchant Is Guaranteed
Fixed Rates: We guarantee full transparency with your quote. We will never increase our fees for your business – your rates are fixed for life.
No Junk Fees: No setup, hidden surcharges, or early termination penalties.
Clear Reserves: Only when required, with upfront release timelines.
Predictable Funding: Know when your money hits your account.
Your Merchant Account in Plain English
Every account has a few standard cost components. With BIG, you’ll know exactly what they are:
- Transaction Fees – a % of each sale + card brand pass-through
- Per Transaction Fee – a Flat amount per transaction (ie. $0.15)
- Monthly Account Fee – covers gateway, reporting, and support
- Chargeback Fees – only if disputes occur
- Optional Add-Ons – fraud filters, ACH/eCheck, crypto settlement, Chargeback management
How BIG Has Helped Our Clients
CBD Brand
Firearms Dealer
Multi-State Cannabis Operator
- Reduced Costs
- Eliminated Reserve Requirements
- Reduced Chargebacks with BIGs Consultation
- Increased Cash Flow with Reliable Deposits
- Set up Fraud monitoring and alerts to protect customers and the business
- Simplified Complex Multi-MID setup for online + in-store
- Chargeback prevention tools implemented
- Reduced Reserve requirements
- Eliminated numerous Fluff Fees
- Increased profits with a enterprise pricing model to reduce overhead
- Bank aligned policies across multiple locations
- Dedicated account manager + fraud suite
- Enterprise level merchant management portal for real time reconciliation
The BIG Pricing Process: How We Build Your Quote
- Pre-Application Review – Our expert underwriters review your model & policies.
- Custom Proposal – Clear breakdown of fees, reserves, and funding timelines reviewed with you to answer all your questions.
- Ongoing Optimization – While our rates will never go up, as you build history, we will do ongoing audits to find savings.
Trusted In The Toughest Verticals
I’m very happy and satisfied with the service and platform. I’ve always had someone I can reach out to directly whenever I have questions, and they’re always quick to help and follow up. On top of that, they regularly check in just to see how things are going, which I really appreciate. Their pricing is fair, and overall, they’re incredibly professional, kind, and easy to work with. Highly recommend!
In my 30+ years of business by far the best processing company I have dealt with. Very professional and everyone is extremely friendly and knowledgeable.
Efficient and Reliable!
I’ve been in the hemp industry for over 8 years, and I’ve worked with several merchant processors. Bankcard International Group stands out from the rest. They (Jon Zweiger + Sladana Clawson) had us up and running with absolutely no downtime—aside from a brief two-day delay on our end. Their customer support is incredible; whenever I reach out, they respond within minutes, even following up emails with phone calls. I highly recommend them to anyone in the hemp space. Their compliance team is just as responsive, quickly addressing any detailed questions or challenges.
I’ve been in the hemp industry for over 8 years, and I’ve worked with several merchant processors. Bankcard International Group stands out from the rest. They (Jon Zweiger + Sladana Clawson) had us up and running with absolutely no downtime—aside from a brief two-day delay on our end. Their customer support is incredible; whenever I reach out, they respond within minutes, even following up emails with phone calls. I highly recommend them to anyone in the hemp space. Their compliance team is just as responsive, quickly addressing any detailed questions or challenges.
Decent onboarding, quick response from their IT guy when I had an issue as well!
Sometimes there were challenges, They company found ways to always make it work! It is a pleasure to work with them!
The leader in High-Risk merchant processing. Compliant Merchant programs for the Cannabis space.
We have been using Bankcard PIN Debit system for 1 year now and it has been a great help to our canna business. Not only by significantly reducing the amount of cash handling but also by boosting our ADS and on top of this they have a fast responding help team. Thanks Shane and team.
Ready for Pricing Without the Surprises?
Pricing & Transparency FAQs
Why don’t you publish flat rates?
High-risk pricing isn’t one-size-fits-all. Your industry, processing history, dispute exposure, and volume meaningfully change total cost. Teaser rates often mislead. We provide a custom proposal that explains each cost upfront so you know exactly what you’re paying for AND BIG's rates & fees will never go up.
What pricing model do you use?
Whenever possible we use true interchange-plus. Card brand costs are passed through at cost, and our margin is listed separately for full transparency. This model does not work for all verticals, when that is not possible we provide a simple flat rate with no fluff.
Which fees should I expect on my statement?
Typical components include a per-transaction fee plus card brand pass-through, a monthly account fee for gateway, reporting, and support, and dispute fees only when chargebacks occur. Optional tools such as fraud filters, chargeback alerts, ACH, or crypto settlement can be added as needed.
Do you charge setup or early termination fees?
We remove junk charges and make all costs clear before you sign. We never have a set up fee, however, a reasonable early termination fee may apply in some instances.
How are reserves determined and when are they released?
Reserves are used only when banking partners require them based on factors like vertical, volume, and dispute rates. We set expectations for reserve levels and release timelines from day one and work to reduce or remove reserves as your performance improves.
How long do deposits take?
Funding timelines vary by program. You’ll receive a clear schedule in your proposal so cash flow is predictable. Many merchants receive deposits on a daily or two-day cycle once live.
What impacts my final pricing?
Average ticket size, perceived vertical risk, monthly volume, dispute history, refund and shipping policies, and how friendly your website and operations are. Strong policies and clean processing can lower costs over time.
Can my pricing improve as I grow?
Yes. As you build a positive history and maintain low dispute ratios, we revisit reserves, fees, and funding to reward consistent performance.
How fast will I get a custom quote?
Most requests receive a tailored proposal within one business day after we review your details and website.