Why Pay 3% When You Don’t Have To?
Interchange-Plus Wholesale Card Solutions Starting at Just 0.05% Markup.
Why switch to 1st Wholesale Card Solutions?
- Interchange pass-through pricing with markup capped at 0.20% (20 bps).
- High-volume savings: $100k+/month → markup as low as 0.05% (5 bps).
- Same-day funding available: +0.10% (10 bps) interchange fee.
- No early cancellation, setup, or monthly PCI non-compliance fees.
- Apps you already love—SwipeSimple, Deluxe Mobile, DPP—without 2.75–3.50% pricing.
- Most merchants average ~2% effective rate all-in.
- Fuel & pay-at-the-pump supported via CardConnect/Fiserv.
- Woman-owned, trusted since 1997, with no social-media complaints.
Same-Day Funding
Cash flow matters. Get your funds the same day for just +0.10% interchange fee. Available for most industries once approved.
NEW! Dual Pricing With SwipeSimple
Give customers a choice—and protect your margins. Present a cash price and a card price side by side, letting customers decide while helping you offset card processing costs.
- Transparent display: both prices shown at checkout.
- Automatic receipts: itemized for clarity and compliance.
- Available on SwipeSimple terminals (PAX A920, A920 Pro, A80).
- Configured through your reseller/partner; terminal manages automatically.
Compliance note: Dual pricing must be clearly disclosed before payment. State/municipal rules may vary; merchants are responsible for ensuring compliance.
Apps & Tools
- SwipeSimple mobile & countertop: catalog, tips, taxes.
- Hosted payment links & QR codes.
- Chargeback help from real humans.
- Deluxe Mobile App & DPP: invoicing, recurring billing, virtual terminal, inventory.
- Next-day funding included; same-day funding optional.
- Cloud reporting with QuickBooks exports.
- Customer profiles on the terminal for easy communications.
- Inventory & modifiers with Register package.
- Post-auth tip adjustments & true debit acceptance.
How We Compare
| Feature | 1st Wholesale | App-Based Processors |
|---|---|---|
| Pricing Model | Interchange + ≤0.20% | Flat 2.75–3.50% |
| High-Volume Options | 0.05% for $100k+/mo | Rarely transparent |
| Same-Day Funding | Available (+0.10%) | Rare/Expensive |
| Dual Pricing | Yes (SwipeSimple) | Not standard |
| Contracts | No cancellation fee | Often term/ETF |
| PCI Fees | $89/yr only | Monthly penalties |
| Apps | SwipeSimple, Deluxe, DPP | Proprietary only |
| Effective Rates | ~2% or less | Typically higher |
Security & Compliance
Many app-based processors (like Square) advertise that PCI steps are simplified or not required. However, if a merchant experiences a data breach while using Square or similar services, the merchant is still liable for losses and damages under card-brand rules.
- Affordable third-party PCI program for $89/year.
- No monthly PCI non-compliance fees.
- Protection through proper PCI documentation and scans.
Note: PCI DSS is an industry-wide requirement; no processor can fully eliminate merchant liability. Responsible compliance reduces both risk and cost.
Industries We Serve
Retail, restaurants, trades, professional services, e-commerce, fuel & C-store.
What Our Merchants Say
“We switched from a popular app processor and dropped our effective cost by nearly a full percentage point. The support is night and day.”
“Transparent, simple, no junk fees. Wish we’d moved sooner.”
Get a side-by-side savings check (free)
Upload your statement—we’ll map it to interchange and show your projected effective rate.