The bill should be readable.
PosNexus is a merchant services company for independent businesses in the USA and Canada. We sell card processing and the terminals that run it — and we do it so that an owner can read one line and know exactly what they paid.
Written for the person who signs the cheques.
Nobody opens a café because they wanted to learn about interchange. The card machine is the thing in the corner that simply has to work, and the statement is the envelope that goes in a drawer. A great deal of this industry is written for exactly that reader — the one who was never going to read it.
PosNexus is built for the other kind of owner: the one who does open the envelope. Restaurants and cafés, barbershops and salons, florists and boutiques, auto shops, bakeries, pizzerias, convenience stores — independent businesses where a quarter of a percent is a real number rather than a rounding error.
What we sell is straightforward. Card acceptance at a published rate, the terminal that takes the payment, the setup that makes it fit how you already work, and a person who answers when something goes wrong. More than 700 merchants take payments through PosNexus today. The processing itself runs on established card-network rails through our sponsoring processor; the relationship — the quote, the hardware, the configuration, the phone call — is ours.
One line, not a maze.
Every card transaction has a wholesale cost. The card networks publish it, it is called interchange, and no processor is exempt from it. What differs between processors is what they add on top — and, more to the point, whether they let you see it.
The bundled and tiered pricing most merchants are sold does the opposite. It folds the wholesale cost and the markup into one blended number, then sorts transactions into qualified, mid-qualified and non-qualified buckets whose definitions you never agreed to. The bill that arrives is arithmetically true and practically unreadable, and the effective rate is only discoverable with a calculator and an afternoon.
We price the other way. Interchange plus one visible line: 0.50% + 10¢ per transaction in person, 0.75% + 25¢ keyed, invoiced or online. The wholesale cost appears as itself. Our margin appears as itself. You can check our arithmetic against the networks’ own published tables, which is rather the point.
Four families, one rate.
A terminal is not a trophy. The right one is the one that matches how your counter actually works — whether that is a reader in an apron pocket, a handheld carried between tables, a countertop unit beside the till, or a screen a customer orders from themselves.
So we carry four families rather than one, and the rate does not change with the box you choose. Hardware comes free with a qualifying merchant account and arrives configured for your business, not for a warehouse.
Three promises, no asterisks.
A promise that needs a footnote is not a promise. These three are the ones we will be judged on, and each of them is the kind a merchant can check for themselves within a month of joining.
No contract to trap you
Month to month, with no term and no cancellation fee. If we stop being the better deal for you, the door is open — that is the discipline that keeps our pricing honest.
Your money the next morning
The batch closes overnight on its own and the full amount lands at 7:00 AM the next business day. Not two to five days. Not “in transit”. In the account, before you unlock the door.
A person, not a queue
You get a dedicated account manager rather than a ticket number, reachable on the number at the top of this page.
Two cities, two countries.
PosNexus works out of Chicago and Toronto, and serves merchants across the USA and Canada. Canadian pricing follows the same structure in CAD, and Canadian onboarding is handled from the Toronto side rather than being routed south and back.
& TorontoWhere our teams work
& CanadaWhere our merchants are
Where this started.
Every merchant services company has an origin, and they tend to rhyme: somebody read a statement they could not make sense of, or sat through a sales call that skated past the only question that mattered, and decided the whole business could be conducted more plainly than that.
Ours is no different — and the person who lived it should be the one who tells it, in his own words rather than ours. That part of this page is still being written. Until it is, the figures above are the honest version of who we are: the rates we publish, the terms we do not hide, and a phone number a human answers.
See what your rate would be.
Send last month’s statement. We will mark it up line by line, free — and tell you honestly if you are better off where you are.