Interchange pass-through
The exact rate Visa, Mastercard, Amex & Discover charge — passed straight to you with zero padding.
Credit Card Processing
Payments that respect
Payments that respect
your margin.
Interchange-plus pricing in plain English. Modern terminals, online checkout, and contracts without the traps — so accepting payments costs you less and surprises you never.
Transparent pricing
Interchange-plus. Nothing hidden.
Most processors bundle their markup into confusing tiers so you can't see what they keep. We pass through the true card-network cost (interchange) and add one small, fixed margin on top. That's it.
One small fixed margin
A single, published markup — the same on every transaction. No tiers, no "qualified vs. non-qualified" games.
Itemized statements
Every fee, line by line, in language you can read — reconciled monthly so you always know your true cost.
Side by side
The fees we delete.
Processors profit from fees most owners never notice. We strip them out — and we'll prove it by auditing your current statement for free.
- No statement or "regulatory" feesThe vague monthly charges that quietly add up.
- No PCI non-compliance penaltiesWe help you stay compliant — at no extra cost.
- No early-termination feesMonth-to-month options available. Stay because you want to.
Typical vs. RK
Where your money goes
Line itemTypicalWith RK
Markup over interchange0.75%0.15%
Monthly statement fee$15$0
PCI non-compliance$24.95$0
Batch fee$0.25$0
Early termination$495None
Illustrative. Your quote reflects your real volume & average ticket.
Hardware & checkout
However your customers pay,
However your customers pay,
we've got the terminal.
Countertop
Fast, reliable EMV chip, tap, and swipe terminals for the front desk.
Mobile & wireless
Take payments anywhere — field service, markets, delivery, and pop-ups.
Virtual terminal
Key in phone and mail orders securely from any browser — no hardware needed.
Online checkout
Hosted payment pages and e-commerce plugins with seamless, secure flow.
Security first
PCI-DSS
Level 1
Encryption
P2PE
Tokenization
Vaulted
Monitoring
24/7
Built-in protection
Bank-grade security on every transaction.
Cardholder data is encrypted end-to-end and tokenized, so sensitive numbers never touch your systems. We handle PCI compliance with you, not against you.
- P2PE & tokenizationCard data encrypted from swipe to settlement.
- Fraud & chargeback toolsProactive monitoring and dispute support included.
- Guided PCI complianceWe keep you compliant — never penalize you for it.
Good questions
Straight answers.
Will switching disrupt my business?＋
No. Most merchants are fully migrated within a few business days. We coordinate hardware, integrations, and staff training so there's no gap in your ability to take payments.
Do you really have no long-term contract?＋
We offer month-to-month options with no early-termination fee. We'd rather keep your business by performing than by trapping you in fine print.
How fast do I get my money?＋
Next-day funding is available for qualifying accounts, so your cash flow stays healthy. We'll confirm your exact deposit schedule during setup.
What does the free statement audit involve?＋
Send us a recent processing statement. We'll break down what you're actually paying, flag the hidden fees, and show your projected savings — with no obligation.
No-pressure, no-obligation
Find out what you're really paying.
Send a recent statement and we'll audit it for free — then show you a transparent quote built around your actual numbers.