This is a common question—and the real answer is both yes and no.

Credit card processing isn’t handled by one company alone. Every time you accept a card payment, several players are involved behind the scenes: the bank that issued the card, the card network (like Visa or Mastercard), and your payment processor. Each of them charges a fee for their role in moving the money.

Some of those fees are out of everyone’s control, including ours. But one important piece is in our control—and that’s where we can make a real promise.

So, when we say we guarantee your rate, we’re talking about our fee—not the bank’s or Visa’s. And we’ll stand by that for as long as you’re with BinglePAY.

the biggest chunk of credit card processing costs: interchange fees. These are the fees set by card networks like Visa, Mastercard, Discover, and American Express, and paid directly to the card-issuing banks.

Here’s the truth: no one—not BinglePAY, not the largest processors in the world—can change these rates. They’re non-negotiable and standardized across the industry. That means everyone pays the same base interchange rates, no matter who their processor is.

Worse yet? These rates usually change twice a year, typically in April and October, depending on the network’s policies. So, even if someone promises to “lock in” your full rate, they’re either misinformed—or not being completely honest. That’s why BinglePAY gives it to you straight: we can’t control interchange, but we can promise full transparency about it on your statements.

The part we can control is our processing fee. When you sign up with BinglePAY, we charge a small markup on top of interchange. This is our only margin, and it covers everything we do for you behind the scenes—things like:

• Safely authorizing transactions
• Depositing your funds quickly
• Providing human customer support
• Monitoring for fraud and chargebacks
• Managing your account with care

This is our service fee, and here’s the good news: we guarantee it for life. No matter how long you stay with BinglePAY—five months or five years—your processing fee will never go up. You won’t find a line item buried in your statement that quietly creeps higher over time. What you agree to on Day One is what you’ll pay on Day One Hundred—and beyond.

We don’t believe in hiding costs behind jargon or tricky statement layouts. When you look at your monthly billing from BinglePAY, it will be clear, clean, and honest. You’ll see: 1.The interchange fees we don’t control, charged by Visa and the banks 2.The BinglePAY fee that’s guaranteed for the life of your account. You’ll always know exactly how much you’re paying to us—and you’ll always be able to verify that your rate hasn’t changed.

Processing fees may look small on the surface—half a percent here, a few cents there. But when you’re processing thousands of dollars each month, small increases can add up fast. That’s where the BinglePAY Rate Guarantee becomes more than just a promise—it becomes a profit protector.

Imagine you’re with a processor that slowly increases your fees over time. You might not notice at first, but after a year, you’re paying 30–40% more than you started with. That money could have gone back into your business. Instead, it’s lining someone else’s pockets. At BinglePAY, we’d rather build long-term trust than short-term profit. We want to be a partner, not just another processor. And that starts with being upfront about pricing—and never changing the rules after the game has started.