NMI Gateway

2.09% - A Mid-Qualified Transaction is the rate you pay for cards that are not swiped at the time of the same as well as rewards cards. If your setup as a mail order/telephone order (moto) merchant or an internet order merchant your base rate would be Mid-Qualified.

3.75% - This is the rate you should expect to pay when you don't enter the 3 digit security code found on the back of the card as well as the zip code associated with the card holders address. It's also the rate you should expect to pay for commercial B2B & international cards.

2.89% - AMEX at their own discretion may opt to charge a flat monthly service fee instead of a percentage. American Express is its own independent entity and NoblePay has no control over their pricing structure.

The use of "rewards cards" can be as high as 40% of all transactions. Rewards cards are typically grouped into the Mid-Qualified tier as they cost more in interchange costs which is why the rates are higher than Qualified cards.

Mid-Qualifed transactions are for card not present sales.

Rewards cards are charged at the Qualified tier plus the Mid Qualified rate.  (For Example) If your Qualified rate is 1.59% and the Mid Qualified rate is 0.90 %, your effective rate would be 2.49 %. If you're not a card present merchant your starting rate would be at the Mid Qualified level. (For Example) 2.09% - this means your rewards card rate would also be 2.09%.

Card present merchants can ask for interchange plus pricing. This would bring your effective rewards card rate between 1.9% to 2.09%. Interchange plus pricing is a more complex pricing structure but may be more beneficial to the merchant processing larger volumes of rewards based cards. To learn more about interchange plus pricing contact us.

No - unlike most of our competitors we don't charge a monthly processing minimum.

Not at all - As long as you give us the courtesy of 30 days notice you'll never pay an early termination fee.

We require that you supply us with 30 days written notice.

All funds will be electronically deposited into your account and available within 48 business hours.