Stop overpaying on processing fees. AGMS offers custom rates that beat Square, Stripe, and Toast.
If you’re searching for the cheapest credit card processing, you already know that fees eat into your profits. The average small business pays 2.5%-3.5% per transaction with big-name processors like Square and Stripe. On $10,000 in monthly sales, that’s $250-$350 going straight to your processor.
AGMS offers custom processing rates based on your business type and volume — often 30-40% lower than flat-rate processors. No long-term contracts, no hidden fees, and a dedicated account manager who reviews your rates regularly.
Here’s what you’re actually paying with each processor on $10,000/month in card sales:
That’s $70-$150/month in savings — or $840-$1,800/year back in your pocket.
Most processors use flat-rate pricing (Square’s 2.6%) or tiered pricing that hides the real cost. AGMS uses interchange-plus pricing — you pay the actual card network cost (interchange) plus a small, transparent markup. This is the most cost-effective pricing model in the industry.
Unlike Square, which charges the same rate whether you process $1,000 or $100,000/month, AGMS adjusts your rates as your volume grows. More sales = lower rates. Automatically.
No PCI compliance fees, no statement fees, no batch fees, no annual fees buried in the fine print. AGMS pricing is transparent — what we quote is what you pay.
AGMS offers cash discount and surcharging programs that can effectively eliminate your processing costs entirely. Your customers who pay by card cover the processing fee through a small service charge — while cash-paying customers get the listed price. 100% compliant in all 50 states where permitted.
Get a free rate comparison → We’ll analyze your current statements and show you exactly how much you’ll save.
Interchange-plus pricing through a provider like AGMS is the cheapest method for most businesses. It beats flat-rate processors like Square (2.6%) and Stripe (2.9%) by 30-40% for established businesses processing over $5,000/month.
Yes — through cash discount or surcharging programs. AGMS offers compliant programs that pass the processing cost to card-paying customers, effectively making your processing cost zero.
A fair effective rate for a small business is 1.5%-2.2% (all-in). If you’re paying more than 2.5%, you’re overpaying. Contact AGMS for a free rate analysis of your current statements.
Yes. AGMS handles the full transition — we set up your new account, program your terminals, and switch you over with zero downtime. Get started →
